) 83,668 80,137 92,165 4.4% (9.2)% Ratio of NPL to total loans 3.5% 3.4% 3.8% 0.1% (0.3)% Ratio of loan loss reserves to NPL 189.0% 190.9% 159.3% (1.9)% 29.7% Total capital adequacy ratio 18.12% 17.96% 17.97
maintain its strong economic fundamentals, with a current account surplus of USD 37.3 billion, approximately 6.8 percent of GDP, and international reserves standing at 1.3 times its total foreign-currency
serviceability of SMEs, maturity mismatches among businesses, particularly in the real estate sector, and the search-for-yield behavior in the prolonged period of low interest rates that could lead to the
projection late last year. The ratio of non- performing loan (NPL) to total loans was 4.1 percent. The ratio of loan loss reserves to NPL was 170.5 percent. The Bank continues to work closely side by side and
. Nevertheless, Thailand continued to maintain its strong external fundamentals over the course of 2018 with a current account surplus of approximately 7.5 percent of GDP and international reserves standing at 1.3
V3 22/02/61 10:09 น. 0 V3 22/02/61 10:09 น. 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in 2017 In 2017, Thailand’s real GDP grew by 3.9 percent, up
thoroughly economic growth can spread to all sectors. However, given commercial banks’ relatively high capital base in combination with consistent increases in provisioning reserves, the commercial banking
has deployed measures to stimulate short-term spending. Private investment also slowed due to a decline in the real estate sector. Meanwhile, the need for machinery investment was subdued due to lower
capital, in combination with regular increases in reserves, the commercial banking system will continue to provide a cushion for NPL. Overall Picture of the Bank and its Subsidiaries Million Baht Item
% 86.7% 89.5% (1.0)% (3.8)% Non-performing loan (NPL) 82,148 83,668 80,137 (1.8)% 2. 5% Ratio of NPL to total loans 3.5% 3.5% 3.4% - 0.1% Ratio of loan loss reserves to NPL 185.8% 189.0% 190.9% (3.2)% (5.1