encourage people to save less and spend more. According to personal loan statistical data from the National Credit Bureau (NCB), there are three concerning signs: 1) Thai people are in debt faster – one out
for 3Q18. Allowance for doubtful accounts and allowance for troubled debt restructuring amounted to Baht 10,779 million with outstanding Baht 4,500 million in general reserve. The total loan loss
for 3Q18. Allowance for doubtful accounts and allowance for troubled debt restructuring amounted to Baht 10,779 million with outstanding Baht 4,500 million in general reserve. The total loan loss
: Million Baht 3Q/18 2Q/19 3Q/19 %QoQ %YoY 9M18 9M19 %YoY Credit card income Loan income Hire-purchase income Other income 1,914 2,689 111 511 1,887 3,020 173 584 1,897 3,048 192 841 1% 1% 11% 44% -1% 13% 73
million baht or 9% y-y and 2% q-q. This is because the Company integrated the credit limit for purpose loan and cash loan (Your Cash), which the customers may use at maximum credit approved on either cash
business. 7. Not being in default on principal or interests of any debt securities or in default on a loan payment. 8. Not being in breach of the terms and conditions of the debt securities. Face value of
% for 2018 declining slightly comparing to 48.2% during 2017. Impairment loss on loans and debt securities for 2018 totaled Baht 1,245 million, increasing when comparing to Baht 763 million yoy. Loan loss
and allowance for troubled debt restructuring amounted to Baht 10,853 million with outstanding Baht 4,500 million in general reserve. The total loan loss reserve to total mandatory reserve ratio stood
from revaluations stood at 47.5% for 2Q18 comparing to 47.3% yoy. Bad debts and doubtful accounts and loss on debt restructuring totaled Baht 489 million, increased from Baht 456 million in 2Q17. Loan
loss on loans and debt securities for 2018 totaled Baht 1,245 million, increasing when comparing to Baht 763 million yoy. Loan loss provisions (excluding general reserve) and including loss from sale of