card members to conduct cash loan transactions through various channels. Therefore, cash withdrawals without using a card (Cardless Withdrawal) accounted over 99% of the total personal loan sales as a
188.6 188.6 186.1 183.0 184.9 186.3 186.3 4 Profit and Loss Transaction For the year ended December 31, CONSOLIDATED Change (BAHT'000) 2018 2017 Amount % Interest income 16,294,353 14,844,465 1,449,888
31, 2019, totaled Baht 311,690 million, increased of Baht 5,361 million or 1.7% from the end of 2018. ASSETS CONSOLIDATED Change (BAHT'000) Dec 31, 2019 Dec 31, 2018 Amount % Cash 1,109,658 1,335,668
/ Total mandatory reserve 183.0 183.0 186.3 184.4 182.4 182.4 4 Profit and Loss Transaction For the three-month period ended June 30, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount % Interest income
% from the end of 2018. ASSETS CONSOLIDATED Change (BAHT'000) Jun 30, 2019 Dec 31, 2018 Amount % Cash 1,097,806 1,335,668 (237,862) (17.8) Interbank and money market items, net 4,940,598 28,199,589
185.1 185.1 188.6 186.1 183.0 183.0 4 Profit and Loss Transaction For the three month period ended June 30, CONSOLIDATED Change (BAHT'000) 2018 2017 Amount % Interest income 3,974,188 3,677,566 296,622
Transaction For the three month period ended June 30, CONSOLIDATED Change (BAHT'000) 2018 2017 Amount % Interest income 3,974,188 3,677,566 296,622 8.1 Interest expenses 1,223,771 1,029,550 194,221 18.9
CONSOLIDATED Change (BAHT'000) Sept 30, 2018 Dec 31, 2017 Amount % Cash 1,134,200 1,424,564 (290,364) (20.4) Interbank and money market items, net 16,408,888 11,510,827 4,898,061 42.6 Derivatives assets
, totaled Baht 306,329 million, increased by Baht 46,994 million or 18.1% from the end of 2017. ASSETS CONSOLIDATED Change (BAHT'000) Dec 31, 2018 Dec 31, 2017 Amount % Cash 1,335,668 1,424,564 (88,896) (6.2