ratio of non-performing loans to total loans (NPL ratio) increased from 2.83% at the end of 2016 to 2.97% at the end of the third quarter 2017. However, Thai commercial banking system’s remained resilient
branches when compared to those of the year 2018 due to the bank’s plan for branches’ merger to align with the digital society. Information Security Management System Standards’ Certificate (ISO/IEC 27001
Limited has the total 116 branches, decreased 12 branches when compared to the year of 2018 due to the bank planned for branch merging according to the digital society. Information Security Management
services constituted utilities, security & cleaning services, on- site personnel, land rental, depreciation & amortization, repair & maintenance costs and insurance premium and property tax of properties
to income ratio stood at 45.32 percent. KBank has set aside higher allowance for impairment loss on loans from the preceding year, with 1 In the 2019 Annual Report, this item is shown under the topic
mainly to employee expenses and repair and maintenance of premises and equipment expenses, whereas marketing expenses fell. As a result, our cost- to-income ratio stood at 42.70 percent, which was still
, particularly from large corporate and SME. However, the commercial banks remained cautious in lending as the loan quality continued to deteriorate especially SME loan. Overall NPL ratio increased marginally from