ALTHOUGH 2017 is almost over, banks' financial statements from this year's third quarter are still newly published, meaning they must still be further examinedat the very least because the data will impact 2018's economic prospects. The analysis is based on various main indicator ratios such as return on assets (ROA), non-performing loans (NPL), net interest margin (NIM) and so forth, from over 90 existing conventional banksexcluding local banks (or