increased significantly with loss allowance based on 12 month expected credit loss. Stage 2: financial assets where the credit risk has significantly increased and Stage 3: credit-impaired financial assets
credit-impaired financial assets (POCI) 3 domestic political uncertainties that may affect investor confidence and result in a delay of government policy implementation. For the auto industry, the total
compared to the same period of last year. At the end of the first quarter of 2020, the Group has outstanding backlog amounting to approximately Baht 2,000 million. Smart service business The Company had
Phatra Asset Management name changed effective from September 28, 2020 2 Excluding loans classified as Purchased or originated credit-impaired (POCI) 3 The Bank current level of capital remains strong and
/ Total loans (excluding interbank) 4.0 Total loan loss reserve/ Total NPLs (coverage ratio) 1 114.1 113.2 110.1 111.2 111.2 115.9 1 Excluding loans classified as Purchased or originated credit impaired
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longer necessary for a credit- impaired event to have occurred. The Company applies the impairment approach to financial assets that are credit-impaired upon the initial purchase or acquisition and a
policies. When recognizing expected credit losses on the Company’s financial assets, it is no longer necessary for a credit- impaired event to have occurred. The Company applies the impairment approach to
the purchaser for the outstanding amount. A part of the proceeds from the disposal of assets were used to pay down on the bank overdrafts and short- term loan outstanding in March 2017. The Company
related parties amounted to Baht 54.09 million and impaired on investment Baht 5.45 million. Conclusion : The Group reported a profit for the six-month period ended June 30, 2018 showed a loss of Baht 83.66