partially offset by higher sales volume of all main products as a result of stable operation. Analysis of Cost and Expenses 1. In Q3 2019, Cost of sales was 3,445 MTHB, decreased by 715 MTHB comparing to 2018
assets businesses. For providers who service trading digital assets with Thai baht pegged stable coin are not regarded as operating digital asset brokers and dealers under this royal decree.SEC Deputy
instruments Baa1 Baa1 Baa1 Subordinated debt instruments Baa3 Baa3 Baa3 Outlook Stable Stable Stable Financial strength (BCA) baa2 baa2 baa2 Financial strength outlook Stable Stable Stable Standard & Poor’s
YoY with a margin of 43%. Normalized EBITDA was Bt38,659mn increasing 2% YoY, with a margin of 43.7% in line with the full-year guidance of stable YoY. With the 1800MHz spectrum license acquired in Sep
, increasing +96.2% YoY. The gross profit margin was relatively stable as high proportion of the costs was revenue sharing costs to marketing partners which vary according to the income. Services income from
, 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
the Company every year since they were first launched in 2009, and has provided Thai investors with a valuable investment alternative. Despite the hedging losses in Q1 2020, due to the extreme market
ongoing cooperation and support from relevant organizations, both domestically and internationally. We hope that the SDG Guidebook for Listed Companies and SDG Impact Standards will serve as a valuable
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