prepared for the adoption of IFRS 9. Non-performing loan of the commercial banking system are projected to increase at a slower pace during the rest of the year. However, given its relatively high level of

, and managing loan quality and NPL continue to be major challenges. However, with a relatively high level of capital and the regular setting aside of additional provisions, commercial banks can still

margin at a high level.  Gross profit from rental and rendering of services decreased by Baht 39.6 million or 64.2% YoY, following the lower revenue from rental and rendering of services as a result of

continue to be major challenges. However, with a relatively high level of capital and the regular setting aside of additional provisions, commercial banks can still maintain an adequate cushion for NPL in

% q-on-q declining gas price (despite a 1.0% y-on-y increase) and 3) new industrial-user (IUs) clients. EBITDA margin also improved to new-high level of 28.3%, thanks to contributions from Vietnam solar

the loan to deposit ratio and the Liquidity Coverage Ratio (LCR) which reflects the excess liquidity in the commercial banking system. With the combination of the recent high level of provisioning in

1.05% from the previous quarter. However, substance economic challenges are remained such as global economic recession as a result of policy interest rate increment, high household debt level increasing

the third quarter of 2017. As commercial banks prioritized managing liquidity at a level appropriate for ebbing demand for loans amid repayment of loans from businesses, government sector and SMEs, net

the direction of the crude palm oil price that remained at a low level, due to the high level of domestic palm oil stock. 3. Gross profit declined 20% YoY, although sales revenue from B100 product

by 1.5% YoY due to Kyat currency depreciation (at constant FX, total Myanmar sales would have been +6.8%). Laos grew 7.5% YoY while Cambodia performance was dragged by high stock level with the