important economic growth driver. For the banking sector in the year 2017, overall commercial bank loans expanded at a greater pace than the previous year, in both corporate and consumer loans, in line with
challenges from the effects of the Covid-19 outbreak on economic and financial systems in the first quarter. As of March 31, 2020, deposits grew at a higher rate than loans and the ratio of loans to deposits
deposits continue to expand. Deposits grew at a higher rate than loans and as a result, liquidity in the commercial banking system increased from the end of last year. As the quality of loans began to
percent. Total business loans (64.1 percent of all loans) shrank by 0.8 percent due to the economic slowdown and debt repayments in many types of businesses. Corporate loans (excluding financial businesses
the economic conditions at the time and current cash collection efficiency. As of 31 December 2019, BAM has net book value of loans purchased of Baht 77,374.66 million against appraisal value of NPLs at
2016, following the growth of loans. Net Non-interest Income Net non-interest income are including net fees and service income, gains (losses) on trading and foreign exchange transactions, gains on
the growth of loans. Net Non-interest Income Net non-interest income are including net fees and service income, gains (losses) on trading and foreign exchange transactions, gains on investments
of 2018 Page 4 of 6 1.2.3 Finances Cost The financial expenses for 2018 amounted to Bt139.4 million, a decrease of Bt20.9 million or 13.0%(y-o-y). As the long-term loans of the Group have been
% Services Income structure of 2018 Page 4 of 6 1.2.3 Finances Cost The financial expenses for 2018 amounted to Bt139.4 million, a decrease of Bt20.9 million or 13.0%(y-o-y). As the long- term loans of the