/ 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

114.8 114.1 113.2 113.2 Total loan loss reserve/ 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

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

meeting on December19, 2018, the Monetary Policy Committee (MPC), voted 5 to 2 to raise the policy rate by 0.25% from 1.50% to 1.75%, the first policy rate increase in 7 years. The main factors that

Transaction For the three-month period ended September 30, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount % Interest income 4,696,115 4,200,604 495,511 11.8 Interest expenses 1,469,129 1,289,834 179,295 13.9

/ Total NPLs (coverage ratio) 115.6 115.6 114.1 113.2 110.1 110.1 Total loan loss reserve/ Total mandatory reserve 184.9 184.9 184.4 182.4 167.0 167.0 4 Profit and Loss Transaction For the three-month

services and remittances. Net interest income rose by Baht 2.0 billion or 4.1 percent, due mainly to higher interest income from interbank and money market items, due to an increase in transaction volume

salient points as follows: (1) Relaxed rules for foreign income which does not require repatriation: Proceeds that are allowed to be kept abroad are increased to no more than USD 1,000,000/transaction

recovery after the policy rate was cut to 1.00 percent during the MPC meeting held on February 5, 2020. Sources: Office of the National Economic and Social Development Council and Ministry of Commerce