2018 amounted to Baht 17.1 billion, an increase of Baht 168 million or 1.0 percent from the fourth quarter of 2017, due to a reduction of Baht 445 million or 4.5 percent in interest expenses, mainly from
the loan interest rate to assist customers impacted by COVID-19 pandemic together with more conservative loan approval. However, the bank’s interest expenses dropped from the reduction of the
need to be monitored for possible impacts to trade orders and subsequent slowdown in exports resulting from such trade policies. For the auto industry, the first quarter of 2018 continued to show
depressions in farm income and high level of household debt while inflation remains at a low level. Other key risks that need to be monitored are the slowdown in global economy especially the Chinese economy
as well as growth in export volume strongly supported growth in consolidated revenue which partially offset by slowdown in feed sales. The consolidated gross profit in 2017 was THB 2,777.55 million
infrastructure investment and a slowdown in private investment. Thai Banking Industry The commercial banking sector in Thailand continued to face some uncertainties in the business environment and ongoing changes
level of household debt while inflation remains at a low level. Other key risks that need to be monitored are the slowdown in global economy especially the Chinese economy, lower than expected growth in
consistent with the economic slowdown and credit tightening of financial institutions after signs of deterioration in loans. In the equity market, the average daily turnover (SET and mai) for 3Q19 increased by
slower rate consistent with economic slowdown. Personal loans still expanded. Meanwhile, loans to business contracted. Commercial banks were tighter in extending loans in line with economic conditions as