Analysis (MD&A) 2019 Page 3/8 profit equal to 67 million Baht. It was due to a result of the strict credit control by the Company, causing an increase in revenue from collecting (Bad Debt Recovery

growth. In 2019, the real estate sector was beginning to face a slowdown as a result of various negative factors, particularly the Bank of Thailand’s Loan to Value (LTV) measure. The situation is worrisome

line with the continued economic slowdown, whereas overall consumer loan continued to grow at a high rate despite a slower growth in mortgage lending and auto loan, personal loan and credit card expanded

accelerate in line with domestic car sales. However, commercial banks remained tighten credit standards on loans to SMEs as their concern on a deterioration in debt serviceability especially weak financial

accelerate in line with domestic car sales. However, commercial banks remained tighten credit standards on loans to SMEs as their concern on a deterioration in debt serviceability especially weak financial

line with the continued economic slowdown, whereas overall consumer loan continued to grow at a high rate despite a slower growth in mortgage lending and auto loan, personal loan and credit card expanded

and small business loan. Although, the non-performing loans affected profitability, but the Thai commercial banking system still remained sturdy. Credit Rating Land and Houses Bank Public Company

loan. Although, the non-performing loans affected profitability, but the Thai commercial banking system still remained sturdy. Credit Rating Land and Houses Bank Public Company Limited is assigned the

amount of 42.47 million Baht, decreased 0.45 million Baht or 1.04% from the same period last year due to the Company repay a portion of loan principal to financial institutions according to debt

ทีมีภาระดอกเบีย (Loan from Financial Institution to Total Debt Ratio) (รอ้ยละ) 55.38% ผูล้งนาม ........................…………………………………………………. (นายเติมพงษ ์เหมาะสวุรรณ) กรรมการผูมี้อาํนาจลงนาม บรษัิท ย