to comply with the fair allocation principle; (b) an offer for sale of securities in which a portion of securities to be offered to the person under (a) 2., 3., 4., or 5. is clearly separated from
Capital Adequacy Ratio (CAR) and Common Equity Tier 1 ratio (CET1) stood at 19.6 percent and 16.0 percent, respectively. The evolving business environment in 2019 required commercial banks in Thailand to
ratio will increase to 17.35% while Tier-1 ratio will be 13.80%. Business Segment Performance The Kiatnakin Phatra Financial Group (“the Group”) business is divided into two main areas: the commercial
classified as Tier 2 capital. Loan to deposits and borrowings ratio stood at 100.0%, comparing to 101.8% at the end of 2017. 11 LIABILITIES CONSOLIDATED Change (BAHT'000) Jun 30, 2018 Dec 31, 2017 Amount
“Positive” outlook by TRIS Rating. Land and Houses Bank Public Company Limited is assigned the company rating of “A-” (Single A Minus), affirms the rating of LH BANK’s hybrid Tier 2 capital securities at “BBB
rating at “A-” (Single A Minus), with “Stable” the rating outlook and affirms the rating of LH BANK’s hybrid Tier 2 capital securities at “BBB” (Triple B Straight) by TRIS Rating. LH Financial Group Public
rating at “BBB+“ with “Positive” outlook by TRIS Rating. Land and Houses Bank Public Company Limited is assigned the company rating of “A-” (Single A Minus), affirms the rating of LH BANK’s hybrid Tier 2