economic situation which could affect loan quality, provisioning and guidelines for debt restructuring as commercial banks must comply with the Thai Financial Reporting Standards (TFRS9): Financial

of loan loss reserves to minimum required provisioning 238.9% 230.1% 200.0% 8.8% 38.9% Ratio of loan loss reserves to NPL 190.9% 180.1% 160.2% 10.8% 30.7% Non-performing loan (NPL) at the end of

26,928 19,156 (1.3)% 38.7% Ratio of net NPL to net total loans 1.2% 1.2% 0.9% - 0.3% Ratio of loan loss reserves to minimum required provisioning 200.0% 194.6% 205.0% 5.4% (5.0)% Ratio of loan loss

reduce the risk of liquidity management for customers’ repayments. In the past year, the rate of the amounts of outstanding receivables or provisioning of the Company did not increase. The debtors can

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provisioning expenses, risk calculation, capital maintenance and their overall business operations, during the rest of this year. 1.3 Regulatory Changes Significant regulatory changes in the first quarter of

Reporting Standards (IFRS9) going forward. All of these factors may affect business adjustments of commercial banks in terms of provisioning expenses, risk calculation, capital maintenance and their overall

requirements to be fully enforced in 2019, as well. These new standards may eventually affect provisioning expenses, risk calculation and capital maintenance of commercial banks. All of these factors may change

financial institutions (4) Risk supervision and consumer protection (5) Lending prohibitions (6) Asset classification and provisioning (7) Asset management and maintenance of reserve requirement (8

classification, despite the long-term benefit, led to concerns over rising non-performing loans (NPLs) and an increasing provisioning requirement. In comparison, communication and energy sectors were among those