/08/62 2 The BOT’s Senior Loan Officer Survey indicated that in the second quarter of 2019, credit demand from the business sector improved from the previous quarter, due to loan demand from large
commercial banks are tithening measures for credit undertaking with the worries on debt serviceability. Although, the deterioration in credit quality will affect the profitability, Thai commercial banking
the products. In addition, in case of emergency, the Company is still capable of applying for credit facilities from financial institutions for use as its working capital for business operations. As of
applying for credit facilities from financial institutions for use as its working capital for business operations. As of September 30, 2018, the Company’ s interest-bearing debt to equity ratio was merely
claim loans totaled Baht 607 million. Lombard Loan, a multi-purpose credit facility for Wealth Management clients using financial assets as collateral. Current outstanding loans totaled Baht 6,273 million
607 million. Lombard Loan, a multi-purpose credit facility for Wealth Management clients using financial assets as collateral. Current outstanding loans totaled Baht 6,273 million, an increase of 62.2
negative growth for over the past 2 years according to Nielsen Thailand, but also play a vital role in expanding current domestic business of the Group and in the future in relation to the growing demand and
equivalent to 9.03% mainly due to increasing of advertising and promotion expenses – CLMV by Baht 1.11 million and the credit card fee by Baht 1.14 million. Administrative expenses For the year 2018, the
cash equivalents increased from the exercise of rights to convert warrants to ordinary shares for the period, trade and other receivables decreased from repayment from foreign customers, other current