assets as aforementioned resulting in remaining excess loan loss reserve of Baht 1,887 million which the Bank plan to release within 5 years on a straight line method. As of end of 1Q20, allowance for

Public Company Limited is assigned the company rating of “A-” (Single A Minus), the rating of LH BANK’s Basel III Tier 2 capital securities at “BBB” (Triple B Straight). Analysis of Operating Results The

released using a straight line method since 1Q20. With the continuing uncertainties from the economic slowdown and prolonged impact from 3 Including ECL for loans and loan commitments and financial

straight line method. 2 For 1Q20, total revenue generated from the Investment Banking business totaled Baht 209 million which included Financial Advisory Fee of Baht 43 million, Underwriting Fee of Baht 124

throughout the periods . b) Right of Use (ROU) is at present value at the same amount as the lease liability and is depreciated over the contract life on a straight line basis. The amounts of adjustment were

plan. Sponsorship fees for international football clubs are amortized in straight-line in relation to payment terms and economic benefits the Group shall receive under the contract terms including

rating of “A-” (Single A Minus) with “Stable” outlook , and the rating of LH Bank’s Basel III Tier 2 capital securities is “BBB” (Triple B Straight). Branch Network As of the third quarter of 2020, Land

Baht 1,604 million at the end of 3Q20 which the Bank had gradually released on a straight line method since 1Q20. 4 Including ECL for loans and loan commitments and financial guarantees 14 With the

LH BANK’s Basel III Tier 2 capital securities at “BBB” (Triple B Straight). Analysis of Operating Results The analysis of operating results of Land and Houses Bank Public Company Limited performance is

(Straight-line) ตลอดอำยุสัญญำเช่ำ ท ำให ้ ตน้ทุนค่ำเช่ำและค่ำบริกำรเพิ่มขึน้ประมำณ 100 ลำ้นบำทต่อไตรมำส (งวดเกำ้ เดอืนปี 2562 ประมำณ 300 ลำ้นบำท) เทยีบกบัเกำ้เดอืนของปี 2561 จ ำนวน 100 ลำ้นบำท ในไตรมำส 3 ปี