4.3 10.2 18.5 1.9 0.2 2.1 NPLs/ Total Loans (excluding interbank) 4.5 4.5 4.1 4.1 4.2 4.2 Total loan loss reserve/ Total NPLs (coverage ratio) 113.8 113.8 114.8 114.1 113.2 113.2 Total loan loss reserve
Percentage 2Q18 1H18 2018 1Q19 2Q19 1H19 Loan growth 4.3 10.2 18.5 1.9 0.2 2.1 NPLs/ Total Loans (excluding interbank) 4.5 4.5 4.1 4.1 4.2 4.2 Total loan loss reserve/ Total NPLs (coverage ratio) 113.8 113.8
4.2 4.2 Total loan loss reserve/ Total NPLs (coverage ratio) 115.6 115.6 114.1 113.2 110.1 110.1 Total loan loss reserve/ Total mandatory reserve 184.9 184.9 184.4 182.4 167.0 167.0 4 Profit and Loss
Performance of the Bank and subsidiaries Percentage 3Q18 9M18 1Q19 2Q19 3Q19 9M19 Loan growth 3.5 14.1 1.9 0.2 2.0 4.2 NPLs/ Total loans (excluding interbank) 4.2 4.2 4.1 4.2 4.2 4.2 Total loan loss reserve
dropped from previous quarter resulting to stock loss during 2Q2020. As a result, the Company had a Stock Loss & NRV of THB 374 million, recorded EBITDA of THB -120 million, down 236% compared to 2Q2019
expenses 52.18 11.02 41.16 373.50 Finance cost 6.95 3.31 3.64 109.97 149.64 85.90 63.74 74.20 Loss Before Income Tax -86.11 -15.44 -70.67 -457.71 Income tax expense 4.18 -0.04 4.22 10550.00 Total loss for
) (225) (7,918) (7,403) 515 7% Share of Profit (Loss) 2,127 1,857 25 17 2,152 1,874 278 15% Profit (Loss) before FX, deferred income tax, impairment and impact of lease income 2,967 2,738 50 43 3,017 2,781
NPLs/ Total Loans (excluding interbank) 5.8 5.8 5.0 4.7 4.5 4.5 Total loan loss reserve/ Total NPLs (coverage ratio) 104.6 104.6 109.8 110.9 113.8 113.8 Total loan loss reserve/ Total mandatory reserve
4.5 4.5 Total loan loss reserve/ Total NPLs (coverage ratio) 104.6 104.6 109.8 110.9 113.8 113.8 Total loan loss reserve/ Total mandatory reserve 185.1 185.1 188.6 186.1 183.0 183.0 4 Profit and Loss
% 4.6% 5.1% 5.3% -0.2% Stock Gain/(Loss) & NRV -57 -143 -60% -149 -62% -439 -601 -27% Adjusted EBITDA(1) 346 354 -2% 286 21% 1,076 1,351 -20% Adjusted EBITDA Margin (%) 9.3% 6.8% 2.5% 6.8% 2.5% 8.6% 9.5