Company Limited Management Discussion and Analysis for the First Quarter ended 31 March 2018 Page 4/18 For the banking sector in the first quarter of 2018, overall loan growth accelerated and extended
environment, but its lending and deposits in the third quarter of 2018 grew further, with lending expanding at a higher rate than deposits. Consequently, the loan to deposit ratio has risen from the previous
percent increase from last year, due to rising interest income as loan growth accelerated. However, loan impairment charges set aside for credit losses in compliance with IFRS9, which will be effective in
combined net profit of the commercial banking system was Baht 187.3 billion, a 5.7 percent decrease from last year, due to larger loan impairment charges set aside for credit losses in compliance with IFRS9
to suspect that the material information disclosed to the general public is incomplete or inadequate to support the investment decision making, or misleading; (8) there are no grounds to suspect that
stabilize, the ratio of non-performing loan (NPL) to total loans was 2.9 percent, the same level as the ratio at the end of 2017. The Bank of Thailand’s Senior Loan Officer Survey indicated that in the first
activities and the low rate of capacity utilization in manufacturing sectors. For banking sector in the year 2019, overall bank loan grew at a slower pace mainly attributed to subdued corporate loan growth in
the Third Quarter ended 30 September 2018 Page 4/21 For the banking sector in the third quarter of 2018, commercial bank loan continued to increase in line with the expansion of domestic demand