from normal business operation. 2. Financial position (Unit : 1,000 Bath) As of 30 June 2019 As of 31 December 2018 Increased (decreased) Total assets 1,211,560 1,082,750 128,810 Total liabilities
having a tendency to decline as the GDP is expanding. Moreover, the number of unemployed in the 4Q/2022 amounted 4.62 hundred thousand people, or an unemployment rate of 1.2%, remained stable from the
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
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
* Allowance for Doubtful Accounts Classified to Bank of Thailand Criteria September 2017 June 2017 December 2016 September 2017 June 2017 December 2016 Normal 1,806,458 1,853,978 1,830,827 14,547 14,953 14,502
, 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
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
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
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
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