2019, credit demand from the business sector improved from the previous quarter, due to demand for loans from large corporates, and small and medium sized businesses. Demand for home loans from the

attributable to a reduction on interest expense from ABPIF compared to previous quarter.  NNP margin improved to 10.2% in Q1’2018, primarily due to improvement of our financing cost.  NNP attributable to owner

margin improved to 11.2% in 6M’2018 and 12.2% in Q2’2018, primarily due to improvement of our financing cost.  NNP attributable to owner of the parent is Baht 1,200 million in 6M’2018 or accounted for

provide scale benefits and improve operating capabilities. In response to industry headwinds, Management has improved its special focus on cost and working capital optimization programs. Disciplined

of the Group has been improved since under TFRS 9, reserve of loans and contingents where the credit risk has not increased significantly (Stage 1 Reserve) and reserve of loans and contingents where

the Group has been improved since under TFRS 9, reserve of loans and contingents where the credit risk has not increased significantly (Stage 1 Reserve) and reserve of loans and contingents where the

year- end 2020 or Q1/2021 and there could be a downward pressure to the selling price, the profits could be enhanced, and eventually, the turnaround time could be shortened. 4.2 COVID-19 Impact For the

quarter of 2018, credit demand improved from the previous quarter, due to SMEs’ requirements for working capital and inventory build-up purposes, especially in the agricultural sector. Demand for loans from

Company underwent new Passenger Service System (PSS) migration. Comprising of Reservation & Ticketing and Departure Control System, the following functions will be improved in order enhance passenger

, we have enjoyed significant tax benefits). However, the company is expecting to achieve improved profits before income tax through efficient NPLs and NPAs management in the future. Financial Status BAM