last year. KEY HIGHLIGHTS • Total revenue increased by 12.6%, mainly from increase in income from sale of real estate and other income. • Share of profit from associates and joint ventures increased by
only real estate development company in Thailand that has been selected to be a membership of DJSI World and DJSI Emerging Market for two consecutive years. The Company has been selected to be a
of the economy and the real estate market in Thailand, our company may have difficulty in managing NPLs and selling NPAs. 2.2 The company may face competition in sourcing NPLs and NPAs from competitors
.,Ltd. of Baht 471 million • Cash outflow for investment in associates of Baht 646 million, the majority is Dusit Thani Freehold and Leasehold Real Estate Investment Trust. • Cash outflow for purchases of
and real estate development loans. 6 Meanwhile, cost of fund for 2018 was maintained at 2.3% resulting in loan spread to decline from 5.2% in 2017 to 5.0% for 2018. % 4Q17 2017 1Q18 2Q18 3Q18 4Q18 2018
% from the end of 2018 with growth in the Real estate development segment, SME segment and across Retail loan segment except in the hire purchase segment which contracted during 2019. For asset quality
including SME Car3x loans expanded at 51.7%, personal loans increased by 18.7%, corporate banking loans expanded by 106.8%, Lombard loans expanded by 15.3% with real estate development loans also registering
on loan for 2Q18 declined from 7.6% to 7.2% yoy due to the high growth of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost
declined from 7.6% to 7.2% yoy due to the high growth of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost of fund for 2Q18