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, which helped support investors’ confidence. This is despite the fact that this factor, coupled with the stable policy rate, resulted in increased volatility in money and capital markets as well as foreign

1.50 percent for almost all of 2018 to accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry and Competition In the second quarter of 2018

portfolio has continued to grow satisfactorily expanding by 2.1% during 1Q21, the yield on loan for 1Q21 has declined to 6.8% comparing to 7.7% yoy resulting in a stable interest income yoy. Additionally

remained stable at 4.1% from the end of 2018. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 171 million and had gain of Baht 64 million. Financial Market

consistent with the overall expansion in loan portfolio. Cost of fund for 2Q18 remained stable at 2.3% yoy . For the three month period ended Consolidated Change Jun 30, 2018 Jun 30, 2017 Baht million

expansion in loan portfolio. Cost of fund for 2Q18 remained stable at 2.3% yoy . For the three month period ended Consolidated Change Jun 30, 2018 Jun 30, 2017 Baht million % Interest expense 1,224 1,030 194

margin (NIM) recorded a minimal increase after being stable during the first half of this year given that most commercial banks continued to focus on funding cost management. As of the end of the third

the purchaser for the outstanding amount. A part of the proceeds from the disposal of assets were used to pay down on the bank overdrafts and short- term loan outstanding in March 2017. The Company

2019 ( COVID- 19) remained stable from the end of 2021 that there were still had government control measures. However, the epidemic of COVID- 19 began to subside in the second half of 2022. People can be