of March 2019, deposits continued to expand while loans dropped slightly. Consequently, the ratio of loans to deposits declined from the end of 2018. However, loan quality was relatively stable as the

the Thai baht remained in line with those of other currencies in the region, close monitoring of short-term capital flows is necessary. The overall financial system remained stable and resilient to

493,908 514,825 546,614 (4.1)% (9.6)% Most of the net investments were in government and state-enterprise securities. As of September 30, 2017, these amounted to Baht 246.1 billion, accounting for 49.8

, trading and construction. Demand for consumer loans is likely to increase in the credit card sector, while demand for housing loans and other personal loans will be stable. Demand for auto-leasing will tend

year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan

be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item

regulations for Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) requirements. The preparation for TFRS 9 adoption, which will come into effect in 2020, and managing loan quality and NPL

Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR). The BOT has granted a temporary relaxation on liquidity, adjusting the LCR and NSFR to lower than 100 percent until 31 December 2021, in

investments were in government and state-enterprise securities. As of March 31, 2018, these amounted to Baht 247.8 billion, accounting for 47.4 percent of total investments. The remaining net investments were

SME loans will be relatively stable compared with the previous quarter. Demand for consumer loans is likely to decrease significantly due to the Covid-19 outbreak and public health measures. Some