excluding POCI as of the end of 1Q20 totaled Baht 9,025 million or 3.7% of total loans, decreasing from 4.0% at the end of 2019 from the decline in NPLs from both retail loans segment and commercial lending

A String of Earnings Increases, Future Earnings Uncertainty, and Firm Fundamentals* Sarayut Rueangsuwan † Kasetsart University, Thailand August 2015 Abstract Prior literature on meeting or beating