) 84,137 83,478 87,419 0.8% (3.8)% Ratio of NPL to total loans 3.6% 3.5% 3.9% 0.1% (0.3)% Ratio of loan loss reserves to NPL 180.1% 176.3% 160.2% 3.8% 19.9% Total capital adequacy ratio 17.86% 17.22% 18.17
Central Retail Corporation Public Company Limited Management discussion and analysis /Page 1 Management Discussion and Analysis The Thai economy is expected to gradually recover in line with COVID-19
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