. The Company’s HVA portfolio also benefitted from the strength seen in its specialty feedstocks, namely IPA and NDC. IPA witnessed record high margins in 2017 which have now dropped to levels that are
car segment and low yield segment – housing loans, corporate lending loans, Lombard loans. Meanwhile, cost of fund for 2017 dropped further yoy from 2.5% to 2.3% resulting in improvement in loan spread
SET Index in the end of June 2019 increased by 5.6% from the end of March 2019 which closed at 1,730.34 points. First half of this quarter, SET Index dropped, with pressures from local political
percentage growth respectively. 3 ASIA’S BOUTIQUE AIRLINE In contrast, there is a declining trend for tourist arrival from Europe, dropped by 1.9 percent, mainly from a drop in tourists from Russia (16.2% drop
which dropped quicker and worse than expected, the Company also took longer than planned to generate sales from new businesses and new product groups. In addition, the Company’s costs increased, mainly
the loan interest rate to assist customers impacted by COVID-19 pandemic together with more conservative loan approval. However, the bank’s interest expenses dropped from the reduction of the
by 58% from last year. Also, Gasoline / Dubai spread (UNL95/DB) dropped drastically during the end of the year. Total GRM was 5.61 $/BBL. And the significant decline in crude oil price during November