the loan to deposit ratio and the Liquidity Coverage Ratio (LCR) which reflects the excess liquidity in the commercial banking system. With the combination of the recent high level of provisioning in

, and the change in recognition of interest income from loans using the effective interest rate (EIR) method. Effects of Covid-19 on classification and provisioning for expected credit losses In term of

, change in regulation for retirement provisioning). As a result after a very successful 2018 with over 24% topline and 30% EBITDA growth, this year has witnessed a 13% revenue and 28% consolidate EBITDA

) was 3.8 percent. In line with the prudent approach of setting aside adequate provisioning expenses, the Bank’s total allowances for doubtful accounts amounted to Baht 146.8 billion, which will provide a

prudent measure in provisioning for 5 additional impairment on revaluation of foreclosed. After assessing the continued uncertainties from the current situation, the Bank also prudently set up additional

contribution due to provisioning needs for old receivables. A similar impact is seen year to date where core business is running well beyond the same period in 2017 while the impact from lack of engineering

provisioning rate. Operating expense marginally decreased by 0.4 percent from last year. The cost to income ratio was poised well at 41.1 percent. At the end of December 2019, loan amounted to Baht 2,061,309

of net NPL to net total loans 1.2% 1.2% 1.2% - - Ratio of loan loss reserves to minimum required provisioning 244.7% 238.9% 199.6% 5.8% 45.1% Ratio of loan loss reserves to NPL 189.0% 190.9% 159.3

loan segments taking into account updates from the current situations and has continuously set aside prudent provisioning level for possible deterioration in asset quality post relief periods. Capital

26,412 8.0% 16.5% Ratio of net NPL to net total loans 1.3% 1.2% 1.2% 0.1% 0.1% Ratio of loan loss reserves to minimum required provisioning 259.5% 244.7% 238.9% 14.8% 20.6% Ratio of loan loss reserves to