million or 35.84% as compared to the 2nd quarter of 2022, the main factors are the existing customers have reduced their minimum order due to in February 2022, the Committee on Energy Policy Administration
revamping programs. However, the slight reduction in credit card revenue is inline the higher minimum repayment rate increasing from 5% to 8% this year, and the number of full-payment was higher than last
policy to increase the minimum wage, which is projected to benefit over 3.7 million employees beginning January 1, 2025. This policy is expected to exert a positive influence on the Company’s operations in
481.9 1.4 Capital Adequacy and the Ratio of Capital Fund to Risk Assets As of 31 December 2018, the ratio of total capital fund to risk assets (BIS ratio) at 20.045%, higher than the 10.375% minimum rate
Adequacy and Capital Ratio As of 31 December 2019, the ratio of total capital fund to risk assets (BIS ratio) at 19.265%, higher than the 11.000% minimum rate required by the Bank of Thailand and decreased
13.757%, higher than the 9.750% minimum rate required by the Bank of Thailand and increasing from 31 December 2016 at 13.706%. The ratio of Tier I capital fund to risk assets was 10.277%, higher than the
% minimum rate required by the Bank of Thailand and increasing from 31 December 2016 at 13.706%. The ratio of Tier I capital fund to risk assets was 10.277%, higher than the 7.250% minimum rate required by
loan loss reserves to minimum required provisioning 188.2% 194.4% 205.0% (6.2)% (16.8)% Ratio of loan loss reserves to NPLs 151.2% 160.0% 173.6% (8.8)% (22.4)% Non-performing loans (NPLs) at the end of
23.054%, higher than the 9.750% minimum rate required by the Bank of Thailand and increasing from 31 December 2016 at 13.706%. The ratio of Tier I capital fund to risk assets was 19.690%, higher than the
% Ratio of net NPLs to net total loans 1.2% 1.1% 0.9% 0.1% 0.3% Ratio of loan loss reserves to minimum required provisioning 194.6% 188.2% 205.0% 6.4% (10.4)% Ratio of loan loss reserves to NPLs 154.0