June 2017 showed that deposits grew by 3.9 percent and lending grew by 3.4 percent from the same period last year. Consequently, liquidity in the commercial banking system measured by Loan-to-Deposit
Financial Group Public Company Limited Management Discussion and Analysis for the Year ended 31 December 2017 Page 5/21 1. Deposit Account Service The bank has designed the new deposit account services
products and services to meet the needs of the customer which the products and the services of the bank can be divided into 4 catagories as follows: 1. Deposit Account Service The bank has designed the new
financial products and services to meet the needs of the customer which the products and the services of the bank can be divided into 4 categories as follows: 1. Deposit Account Service The bank has designed
deposit ratio 82.5% 84.2% 86.9% (1.7)% (4.4)% Non-performing loan (Gross NPL) /1 108,604 85,240 79,149 27.4% 37.2% Gross NPL to total loans ratio /1 4.1% 3.5% 3.4% 0.6% 0.7% Allowance for expected credit
fell from 96.9 percent at the end of 2016 to 96.3 percent. The Liquidity Coverage Ratio (LCR) stood at 180.0 percent. For liquidity management, commercial banks are placing great emphasis on deposit