YoY with a margin of 43%. Normalized EBITDA was Bt38,659mn increasing 2% YoY, with a margin of 43.7% in line with the full-year guidance of stable YoY. With the 1800MHz spectrum license acquired in Sep

, increasing +96.2% YoY. The gross profit margin was relatively stable as high proportion of the costs was revenue sharing costs to marketing partners which vary according to the income. Services income from

, 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

*, aims to set out measures to support fund mobilization by SMEs and startups in the central and provincial capital markets, taking into consideration balanced rules for both issuers and interested

the consciousness-raising and support efforts of many organizations to create a more diverse and balanced workforce, with the belief that in the future, women leaders will be a significant target

core principles take into account environmental, social and governance (ESG) factors in the business practices of investee companies, offering institutional investors a balanced focus apart from seeking

ความเสี่ยงจากการลงทุนในสินทรัพย์ดิจิทัลควบคู่กัน (balanced view) (4) กำหนดให้การโฆษณาคริปโทเคอร์เรนซีสามารถทำได้ในช่องทางทางการของผู้ประกอบธุรกิจ (official channel) เท่านั้น เพื่อป้องกันไม่ให้การโฆษณาคริ

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