T+[..] [specify the date that investors will receive redemption payment] ▪ Investors who seek stable returns or capital protection. ▪ Investors who intend to invest solely in fixed income securities

payment] ▪ Investors who seek stable returns or capital protection. ▪ Investors who intend to invest solely in fixed income securities with good credit rating, high, liquidity, and low-price volatility as

settlement period within T+[..] [specify the date investors will receive redemption payment] ▪ Investors who seek stable returns or capital protection. ▪ Investors who intend to invest solely in fixed income

employee, in accordance with the Labor Protection Act (Issue 7) B.E. 2562, about 3 million Baht.  Net profit increased as a result of selling part of investment in associated company which is not the profit

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

competition, the blended ARPU still declined to Bt558 or -1% QoQ. 1The Labor Protection Act (No. 7) B.E. 2562, effective from 5-May-19, stipulates additional legal severance pay rates for employees who have

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

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 Thai baht remained in line with those of other currencies in the region, close monitoring of short-term capital flows is necessary. The overall financial system remained stable and resilient to

4.2% 6.3% 15,981 16,418 (2.7)% Interbank and money market items 307 242 266 26.9% 15.4% 805 868 (7.3)% Contributions to the Deposit Protection Agency and Financial Institutions Development Fund 2,442