-hotel integration) ให้มากขึน้ ขยายไปยังกลุ่มตลาดใหม่ โดยการปรับหลกัสตูรการศึกษาภาคพิเศษ (Non-Degree program) เป็นหลกัสตูร การศึกษาภาคปกติ (Degree program) และเจาะตลาดอาชีวศึกษา ตลอดจนหลกัสตูรก่อนปริญญา
the PET industry, creating a diversified earnings stream in the form of the HVA businesses, integration into advantaged feedstocks and expansions in key geographies. As evident in Figure 1, earnings
% 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
for 3Q18 declined from 7.7% to 7.3% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate 6 development loans. Meanwhile, cost of fund for
% 0.06 0.20 -0.14 -70.0% Dusit Thani PLC Management Discussion and Analysis For 3Q19 and 9M19 P a g e | 2 Major Development in 3Q19 In 3Q19, the Group established 3 new subsidiaries in the Republic of
% EPS (THB) 0.09 -0.07 0.16 224.8% 0.06 0.20 -0.14 -70.0% Dusit Thani PLC Management Discussion and Analysis For 3Q19 and 9M19 P a g e | 2 Major Development in 3Q19 In 3Q19, the Group established 3 new