throughout the sub-lease period in calculating the effective interest rate. Such calculation resulted in a higher book value of the long term loans. In addition, finance costs also include interest and fee
in gas consumption arising from an increase in electricity generation and an increase in the effective price of natural gas price which is tied to the weighted average price for the mass of natural gas
housing loans as most borrowers rushed to submit their loan applications before the effective date of the revised Loan-to-Value (LTV) measures on April 1, 2019. Demand for auto-leasing declined in line with
form without health checking, this service will be effective immediately by covered medical expenses from the accident. The customers must to show the LH Bank Premium card together with the
Company has to provide estimated fixed rental costs and variable service costs that may occur throughout the sub-lease period in order to calculate the effective interest rate. Such calculation resulted in
be effective in 2020, the Thai commercial banking system will be more stable and able to support loan expansion in the next phase. Overall Picture of the Bank and its Subsidiaries Million Baht Item
preparation for the adoption of IFRS 9, which will be effective in 2020, it would help supporting the financial stability in the Thai commercial banking system in order to accommodate loan growth in the next
period in order to calculate the effective interest rate. Such calculation resulted in a higher book value of the long term loans. In addition, finance costs also include interest expenses paid to
had allowances for doubtful debts in the amount of Baht 3,947.5 million, increased by Baht 184.3 million or 4.9% when compared to the year 2018. TFRS9 is effective for fiscal years beginning on or after