lives of building improvement and electrical system for leased building. The estimates were previously set based on the Revenue Code. These estimates were then revised to align with the lease contract

. Digitalization Roadmap since 2017 and implementation of resource management in business operations, which are; 1. Reducing the use of paper and plastic; 2. Waste management; and 3. Management of electrical energy

of paper and plastic; 2. Waste management; and 3. Management of electrical energy, water, and fuel energy. Social The Company conducts business in accordance to human rights principles, based on its

21,819.70 4 32,518.00 3 12,291.50 1 13,218.30 3 15,290.00 3 21,316.60 5 07 Electrical Products and Computer 08 Energy and Utilities 2,000.00 1 12,799.70 5 10,000.00 3 2,337.60 3 3,900.00 4 14,114.30 6

% 21.0% 39.3% 40.3% 40.9% Dec'18 Sep'18 Dec'17 Million Baht Loans by Business Type * December 2018 September 2018 December 2017 Change (%) September 2018 December 2017 Manufacturing and commercial 819,481

. The most portion of them was public utilities and services at 22.3%, followed by manufacturing and commerce sector at 21.9% and financial intermediation sector at 21.1% of total loans. Big Corporate

will be from selling tickets and the sponsors supporting the concert. 7. Processing, manufacturing and selling of products from Hinoki wood Demeter Innovation Company Limited (“D Innovation”) which is a

them was public utilities and services at 24.9%, followed by manufacturing and commerce sector at 22.9% and housing loans sector at 19.2% of total loans. LH Financial Group Public Company Limited

%, followed by manufacturing and commerce sector at 22.9% and housing loans sector at 19.2% of total loans. LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter

services at 26.1%, followed by manufacturing and commerce sector at 21.8% and financial intermediation sector at 18.9% of total loans. Big Corporate & Corporate As of 31 December 2017, the bank had total