reduction in lending rates for MLR, MOR, MRR, restructuring made to terms including installment reductions, loan term extension in line with the customer financial ability and other assistance as appropriate

revenue by leveraging its resources across various financial products and services. 31% 34% 36% 36% 50% 47% 45% 44% 5% 5% 5% 5% 14% 14% 14% 17% 2021 2022 2023 9M24 Credit Card Personal Loan Hire Purchase

.pdf E_1 Legal_FA_2015_12_29-c lending are implemented. For deposits, pricing competition may be limited as most banks have turned their focus to improved capability in gaining access to new customers

of money and capital markets, and TFRS 9 impacts from reclassification and remeasurement of investments. However, net interest income increased Baht 2,512 million, or 9.82 percent, due to loan growth

environment, but its lending and deposits in the third quarter of 2018 grew further, with lending expanding at a higher rate than deposits. Consequently, the loan to deposit ratio has risen from the previous

result. Regarding the quality of loans, the ratio of Non-Performing Loan (NPL) to total loans slightly increased from the end of 2018 to 3.0 percent. V2 12/11/62 2 The BOT’s Senior Loan Officer Survey

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of securities brokerage, securities finance, securities borrowing and lending, securities dealing or securities underwriting, which is not limited to debt instruments, exclude financial institutions

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