evidentiary documentation in accordance with the Licensing Manual for the Public: (1) offering innovative financial services that facilitate problem solving or develop services in the Thai capital market or
affordable mostly by high income earners. The strategic plan aims to address this issue by facilitating intermediaries? creation of innovative service channels and provision of wealth advice, product knowledge
policies, listed companies in Thailand are being encouraged to be more innovative and enhance their accountability to their shareholders by considering the impact of gender equality and women’s
เพื่อผนวกเรื่อง SDG เข้ากับกลยุทธ์ ให้สามารถหาโอกาสทางธุรกิจใหม่ ๆ (4) ทำงานร่วมกับพันธมิตรเพื่อพัฒนาเครื่องมือระดมทุนรูปแบบใหม่ (innovative financing solutions) และ (5) ปลดล็อกข้อจำกัดต่าง ๆ ในการระดมทุน
instruments Baa1 Baa1 Baa1 Subordinated debt instruments Baa3 Baa3 Baa3 Outlook Stable Stable Stable Financial strength (BCA) baa2 baa2 baa2 Financial strength outlook Stable Stable Stable Standard & Poor’s
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
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