from 7.5% to 7.2% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate development loans. 6 Meanwhile, cost of fund for 2018 was

44,283 23.0 8.1 Real Estate Development 23,782 11.7 21,276 11.0 11.8 SMEs loan 24,086 11.8 23,007 11.9 4.7 Corporate Lending 20,196 9.9 15,807 8.2 27.8 Special Asset Management loan 604 0.3 607 0.3 (0.4

9.0 Housing loan 13,051 6.4 11,252 5.8 16.0 Commercial Lending 47,868 23.5 44,283 23.0 8.1 Real Estate Development 23,782 11.7 21,276 11.0 11.8 SMEs loan 24,086 11.8 23,007 11.9 4.7 Corporate Lending

loans, real estate development loans and housing loans while hire purchase loans declined slightly from the end of 2018. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 1Q19

area and also from the decline in construction material sales in line with the slowed down in the real estate sector. Additionally, investment in machinery and equipment also contracted as exhibited by

from the decline in construction material sales in line with the slowed down in the real estate sector. Additionally, investment in machinery and equipment also contracted as exhibited by the decline in

%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017. Hire purchase

expanded at 83.9%, personal loans increased by 35.5%, corporate lending loans expanded by 129.7%, Lombard loans expanded by 62.2% with real estate development loans also registering a growth of 10.4% in 2017

8.3 Housing loan 20,516 8.8 18,642 8.2 10.1 Commercial Lending 56,151 24.1 55,813 24.4 0.6 Real Estate Development loan 30,682 13.1 29,052 12.7 5.6 SMEs loan 25,470 10.9 26,760 11.7 (4.8) Corporate

7,627 3.3 7,040 3.1 8.3 Housing loan 20,516 8.8 18,642 8.2 10.1 Commercial Lending 56,151 24.1 55,813 24.4 0.6 Real Estate Development loan 30,682 13.1 29,052 12.7 5.6 SMEs loan 25,470 10.9 26,760 11.7