, trading and construction. Demand for consumer loans is likely to increase in the credit card sector, while demand for housing loans and other personal loans will be stable. Demand for auto-leasing will tend
year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan
digital asset transactions be executed through licensed digital asset business operators that are supervised by regulators to ensure that such investment is protected by law. In this regard, digital asset
and to strengthen proper investor protection mechanisms. Pursuant to the amended regulations, investors’ rights will be protected fairly according to the characteristics, forms and risks of the
be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item
regulations for Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR) requirements. The preparation for TFRS 9 adoption, which will come into effect in 2020, and managing loan quality and NPL
Convention on Biological Diversity (CBD) (AFi, 2019). High Carbon Stock forests: This is the High Carbon Stock Approach (HCSA) classification of forested areas that should be protected based on high carbon
Bt167mn/month.) Market and Competitive Environment In 3Q19, the competition in the postpaid segment remained fairly stable. There continued to be no new offering on fixed- speed unlimited data in the
Bt167mn/month.) Market and Competitive Environment In 3Q19, the competition in the postpaid segment remained fairly stable. There continued to be no new offering on fixed- speed unlimited data in the
Outlook Stable Stable Stable Standard & Poor’s Long-term Counterparty Credit Rating BBB+ BBB+ BBB+ Short-term Counterparty Credit Rating A-2 A-2 A-2 Senior Unsecured Debt Instrument BBB+ BBB+ BBB