MANAGEMENT DISCUSSION & ANALYSIS 2019 14 FEBRUARY 2020 U CITY PCL 2019 - MD&A (for the year ended 31 December 2019) 1 U CITY PCL 2019 KEY FINANCIAL HIGHLIGHTS • Total revenue increased by 53.4% YoY
to a stronger growth of trading partners’ economy, and in terms of prices on the back of rising global crude oil price. Tourism sector continued to expand, private consumption gradually increased
to a stronger growth of trading partners’ economy, and in terms of prices on the back of rising global crude oil price. Tourism sector continued to expand, private consumption gradually increased
, particularly from large corporate and SME. However, the commercial banks remained cautious in lending as the loan quality continued to deteriorate especially SME loan. Overall NPL ratio increased marginally from
export-oriented industries together with supports from the continuous progresses in public infrastructure investment. Meanwhile, public expenditure increased at a slower pace partly, partly because some
export-oriented industries together with supports from the continuous progresses in public infrastructure investment. Meanwhile, public expenditure increased at a slower pace partly, partly because some
, particularly from large corporate and SME. However, the commercial banks remained cautious in lending as the loan quality continued to deteriorate especially SME loan. Overall NPL ratio increased marginally from
the capital increase to increased the capital in the Land and Houses Bank Public Company Limited. Consequently, the bank's capital base on July 31, 2017 more than double or equal Baht 39,475.17 million
which increased the competitiveness. Including the bank has provided the reward for customers by organized the activities to maintain the customers base and well received by the customers. LH Financial
which increased the competitiveness. Including the bank has provided the reward for customers by organized the activities to maintain the customers base and well received by the customers. LH Financial