YoY with a margin of 43%. Normalized EBITDA was Bt38,659mn increasing 2% YoY, with a margin of 43.7% in line with the full-year guidance of stable YoY. With the 1800MHz spectrum license acquired in Sep

, increasing +96.2% YoY. The gross profit margin was relatively stable as high proportion of the costs was revenue sharing costs to marketing partners which vary according to the income. Services income from

, trading and construction. Demand for consumer loans is likely to increase in the credit card sector, while demand for housing loans and other personal loans will be stable. Demand for auto-leasing will tend

year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan

-555 Fax. (043) 236-835 Ratchaphruek Hospital Distribution costs The Company booked distribution costs amounting to Baht 2.98 million and Baht 4.45 million for the nine-month period ended September 30

, 2019, respectively. Distribution costs The Company booked distribution costs amounting to Baht 3.38 million and Baht 2.98 million for the nine-month period ended September 30, 2018 and the nine-month

date the product reaches its destination result in gross loss margin. The cessation of the fruit export business resulted in the proportion of revenue from the distribution business decreasing by more

be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item

regulations for Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) requirements. The preparation for TFRS 9 adoption, which will come into effect in 2020, and managing loan quality and NPL

Holding Company investing in retail business such as mobile phone distribution and accessories, non-performing debt management, real estate development, hire purchase (associated company), personal loan