the fourth quarter of 2018 amounted to Baht 10,651 million, a decrease of Baht 670 million or 5.9 percent from the third quarter of 2018, due mainly to the decreases of Baht 1,246 million in gains on

interest income from loans in line with decreases in transaction volume and yield following the announcements on the cut in loan rates in the second half of 2019. Interest expenses rose by Baht 436 million

second quarter of 2016. The decreases were the result of net non-interest income 64.9%. 1. COMMERCIAL BANKING BUSINESS LH Financial Group Public Company Limited Management Discussion and Analysis for the

30.1% when compared to the second quarter of 2016. The decreases were the result of net non-interest income 64.9%. The bank’s the operating results had net profits for the six-month period of 2017

expenses in the third quarter of 2017 amounted to Baht 11.9 billion, a decrease of Baht 908 million or 7.1 percent from the second quarter of 2017. Significant items included decreases in premises and

UNOFFICIAL TRANSLATION Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. Notification of the Office of the Securities and Exchange Commission No. Sor Nor. 87/2558 Re: Rules, Conditions, and Procedures for Management of Retail Funds, Mutual Funds for Accredited Investors, Mutual Funds for Institutional Funds, and Private Funds ______________________ By virtue of Clause 6, Clause 8, and Clause 9 of the Notification...

deducting shares discount, only the portion which increases or decreases as a result of the company’s capital increase or decrease after the date specified in the Form under (1); (3) proceeds received by the

quarter of 2018. Moreover, ICUK shall also give an emphasis on cost reductions particularly in redundant procedures to deliver appropriate rate of return on sales. In term of sales, ICUK continues to gain

various cost reduction initiatives. Reductions in operating costs and general administrative expenses, such as utility cost, certain outsourced services and excessive administrative costs at both business

Ratio As at 30 September 2019, the Company and its subsidiaries recorded current ratio of 0.67x, a decrease from 0.72x as of 31 December 2018 because decreases in inventories were greater than current