consistent increase in its retail channel sales; the main distribution channel, from the Company’s strategy to enlarge its customer base, and debuted the B20 Diesel product in tandem with a special price
revenue by leveraging its resources across various financial products and services. 31% 34% 36% 36% 50% 47% 45% 44% 5% 5% 5% 5% 14% 14% 14% 17% 2021 2022 2023 9M24 Credit Card Personal Loan Hire Purchase
credit ratings of structured finance products are appropriate when the risk characteristics of the assets underlying a structured finance product change materially. Where feasible and appropriate for the
%YoY Credit card income Loan income Hire-purchase income Other income 1,910 2,451 261 803 (4%) 2% 5% 6% 7,642 10,385 1,029 3,277 7,819 9,950 998 3,198 2% (4%) (3%) (2%) 7,488 10,274 246 3,108 7,653 9,805
Statement (Consolidated) Unit : Million Baht 2Q/19 1Q/20 2Q/20 %QoQ %YoY 1H19 1H20 %YoY Credit card income Loan income Hire-purchase income Other income 1,887 3,020 173 584 1,738 3,076 249 593 1,621 2,905 240
% -22% 11% Total Revenues 5,820 12% 15,597 16,780 8% 14,872 15,945 7% Operating and administrative expenses Expected credit loss Finance costs Other expenses 2,039 1,884 475 0 5% 6% 12% 0% 5,846 5,011
Credit Rating Agencies Approved to Issue Credit Rating for Instruments Subject to Rules Concerning Issuance and Offer for Sale and Investment of Funds
2% Operating and administrative expenses Expected credit loss Finance costs Other expenses 2,029 2,094 527 5 2,070 1,949 574 1 2% (7%) 9% (70%) 4,018 3,415 905 2 4,099 4,043 1,101 6 2% 18% 22% 206
low-risk customers. Regarding home loan, we will revise our credit policy to be consistent with the Bank of Thailand’s macroprudential measure to be implemented to preclude speculation in the real