Thailand remained stable. Capital funds and reserves were at a high level and were able to support the challenges of uncertain economic conditions. The performance of the Thai banking system improved, mainly

operated. General controls are implemented to ensure that all automated applications are developed, implemented, and maintained properly, and in addition, that the integrity of program and data files and of

2019, net loans at 14 domestically-registered commercial banks grew 0.37 percent over-quarter and 3.92 percent over-year, figures that were stable compared to the growth of 3.88 percent at the end of the

of utility services in Q1/2018 compared with those in the same period of 2017, (while utility service income is stable), are attributable to the road and water system repairing cost. ▪ An increasing

. 2018 Self-Service Channel (K-ATM and K-CDM) 11,867 11,985 K-ATM (Automated Teller Machines) 9,137 9,369 K-CDM (Cash Deposit Machines) 2,730 2,616 K-PUM (Passbook Update Machines) 1,082 1,075 - Digital

from interest rate reduction and a slowdown in loan in the banking system. Meanwhile, net fees and service income was stable, whereas fees from insurance, mutual fund and investment banking services

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

, 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

quarter, net interest income advanced over-quarter and over-year. Likewise, net interest margin (NIM) was stable from the previous quarter. This reflected commercial banks’ attempts to manage funding cost