taking steps towards resuming activities • Implement a ‘Work from Home’ policy and put in place IT infrastructure to support working from home where practicable • Ensure that a robust communication

together with robust capital fund and reserves. LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2020 Page 4/19 Credit Rating LH Financial

marginally from the previous quarter to 40.70 percent, it was better than the target. Meanwhile, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s

capital position was robust. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK FINANCIAL CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 18.12 percent, with a Tier 1 capital

the uncertainties stemming from economic recession. However, our capital position – as of the end of the first quarter of 2020 – remained robust. As evidenced, capital adequacy ratio (CAR) of

, “Management Report”. B prudent consideration on factors in line with uncertainties stemming from the continued economic slowdown. At the end of 2019, our robust capital position was sufficient to cushion