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

quality and maintain the allowance for doubtful accounts at the appropriate level. The Bank’s balance sheet remained healthy with robust capital and liquidity positions. At the end of third quarter 2019

, notably low carbon footprint, will keep demand for PET and packaging robust. Combined PET segment delivered US$ 17M in efficiency gains from Project Olympus Integrated Oxides and Derivatives (IOD) IOD

. Pin Kewkacha 2) Mr. Kittikorn Kewkacha and 3) Mr. Somwang Kewkacha, whom are extensively experienced and expertise in the design and management of theme park and understand the local tourism industry

) Mr. Pin Kewkacha 2) Mr. Kittikorn Kewkacha and 3) Mr. Somwang Kewkacha, whom are extensively experienced and expertise in the design and management of theme park and understand the local tourism

of the management in order to assist investors to better understand the company's financial status and operation. It also supports the "Good Corporate Governance Project" of the Securities and Exchange

understand their needs, paid more attention to building good relationship with all groups of customers and offered integrated financial products and services as to respond to each segment explicitly. The bank

understand the feature, risks and specific conditions of such capital market products every time before making a decision to invest. After having performed in compliance with the first paragraph, the

ought to understand the feature, risks and specific conditions of such capital market products every time before making a decision to invest. After having performed in compliance with the first paragraph

factors that have materially affected, or could materially affect, the company’s operations. Also disclose any significant components of revenues and expenses that are necessary to understand the issuer’s