, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount % Interest income 4,440,556 3,789,635 650,921 17.2 Interest expenses 1,385,827 1,143,392 242,435 21.2 Interest income, net 3,054,729 2,646,243 408,486 15.4 Fees

945.3 88.8 9.4 Net profits 828.8 806.7 22.1 2.7 Basic earnings per share (Baht) 0.039 0.038 0.001 2.6 The analysis of operating results of LH Financial Group Public Company Limited and its subsidiaries

December 31, CONSOLIDATED Change (BAHT'000) 2017 2016 Amount % Interest income 14,844,465 14,869,138 (24,673) (0.2) Interest expenses 4,216,027 4,436,088 (220,061) (5.0) Interest income, net 10,628,438

year ended December 31, CONSOLIDATED Change (BAHT'000) 2017 2016 Amount % Interest income 14,844,465 14,869,138 (24,673) (0.2) Interest expenses 4,216,027 4,436,088 (220,061) (5.0) Interest income, net

Bank) 1,463 1,108 32.0 1,484 (1.4) Total Comprehensive income (attributable to equity holders of the Bank) 1,531 1,530 0.1 799 91.7 Basic earnings per share (Baht) 1.73 1.31 32.1 1.75 (1.1) Summary of

from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent

consolidated financial performance Statement of Comprehensive Income (Unit : Million Baht) For the year ended 31 December Change 2019 2018 Amount Percent Total Revenue 8,996.3 8,182.7 813.6 9.9 Revenue from

THB as compared to US dollar. There would be the material change in Q3 for the Balance Sheet structure of which expecting to see the improvement of DE and Current ratio. However, the Balance Sheet

million baht or 4.45 percent. Analysis of the consolidated financial performance Statement of Comprehensive Income (Unit : Million Baht) For the quarter ended 31 March Change 2020 2019 Amount Percent

The Securities and Exchange Commission (SEC) collaborated with the Asia Investor Group on Climate Change (AIGCC) in organizing an online workshop on the topic, "Developing a Climate Action