and real estate development loans. 6 Meanwhile, cost of fund for 2018 was maintained at 2.3% resulting in loan spread to decline from 5.2% in 2017 to 5.0% for 2018. % 4Q17 2017 1Q18 2Q18 3Q18 4Q18 2018
% from the end of 2018 with growth in the Real estate development segment, SME segment and across Retail loan segment except in the hire purchase segment which contracted during 2019. For asset quality
including SME Car3x loans expanded at 51.7%, personal loans increased by 18.7%, corporate banking loans expanded by 106.8%, Lombard loans expanded by 15.3% with real estate development loans also registering
on loan for 2Q18 declined from 7.6% to 7.2% yoy due to the high growth of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost
declined from 7.6% to 7.2% yoy due to the high growth of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost of fund for 2Q18
from 7.5% to 7.2% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate development loans. 6 Meanwhile, cost of fund for 2018 was
the previous year due to decreased raw material prices and rapid Thai Bath appreciation. 2. Sales cost to revenue ratio decreased by 1.66% (from 95.81% to 94.15%) because the cost of raw materials has
and rapid legal enforcement. Meanwhile, the Government will support expediting legal amendments to restore confidence by enhancing the efficiency of preventing wrongdoing in the stock market and by
mutual agreements to achieve rapid results, such as the project of “One-Stop Service” that was officially launched on 24 September 2019 and the project of “One Report” which will organize a seminar for