last year, with the 9M/2023 average funding cost 2.97%, increasing from 2.64% at the end of last year, due to the announcement of the Monetary Policy Committee (MPC) to increase the policy interest rate
from higher current portion of debts which due to roll over this year which reflecting the higher policy interest rate. However, the Company has an appropriate capital management to optimize the
during the lockdown measures and a reduction in interest rate for credit card by 2%, which effective in 1st August 2020. In the third quarter of 2021, credit card revenue was 1,676 million baht, an
interest rate swaps Forward foreign exchange contracts Currency option purchase สัญญาอ่ืนๆ ในลกัษณะเดียวกนั 2การค านวณตาม scenario approach ให้ด าเนินการตามค าอธิบายประกอบการค านวณเงินกองทุนสภาพคล่องสุทธิ
year, due to a reducing trend of market interest rate and the replacement long term loan with lower rate. Net Profit For the fiscal year of 2019, consolidated total operating income was reported at 5,144
quarter of 2017, amounting to THB 4,185 mm, which carried higher interest rate. PERFORMANCE BY BUSINESS Rental Properties Business Q3 2016 Q3 2017 Increase/(Decrease) THB mm THB mm THB mm % Revenue 464.3
increased degree of uncertainty in global economies and trade policies, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Acting upon our strategy of strengthening
specfic title with clearly specified maturity year; (2) the interest rate is fixed or floating rates according to the interest rates of financial institution or any other interest rate; (3) the total
Period (Date) Amount (Million Baht) Interest rate (per annum) October 4, 2018 October 3, 2019 364 20.00 6.75% November 29, 2018 November 28, 2019 364 150.00 7.00% December 21, 2018 December 20, 2019 364
review to support our management towards better credit management standards. Market Risk Management Market risk may arise from changes in interest rate, foreign exchange, equity and commodity prices, as