of March 2019, deposits continued to expand while loans dropped slightly. Consequently, the ratio of loans to deposits declined from the end of 2018. However, loan quality was relatively stable as the

event of a crisis. The outlook for NPLs in the commercial banking system will depend on economic growth spreading to all sectors. However, given its relatively high capital base and regular increases in

, 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

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

capital, in combination with regular increases in reserves, the commercial banking system will continue to provide a cushion for NPL. Overall Picture of the Bank and its Subsidiaries Million Baht Item

SME loans will be relatively stable compared with the previous quarter. Demand for consumer loans is likely to decrease significantly due to the Covid-19 outbreak and public health measures. Some

Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR). The BOT has granted a temporary relaxation on liquidity, adjusting the LCR and NSFR to lower than 100 percent until 31 December 2021, in

% from Q3/2020 and 24% from 9M/2020 due to a decrease in revenue while the Company still recognized a stable fixed cost. • EBITDA margin in Q3/2021 was 20.7%, decreased from 32.7% in Q3/2020 and in 9M/2021

, private consumption and tourism. Both private and public investments remain largely at stable levels whilst consumer spending is constrained due to high household debt levels, decline in agricultural

, 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