: 3.1 Internet Banking on Mobile (LH Bank M Choice) is a financial transaction service on smartphone and iPad with global standard on security. This service provides an easy-to-use menu and respond to

environmental, social, and governance (ESG) risks. The index is used as a performance benchmark for tracker funds and structured products, with ESG ratings used as standard criteria by socially conscious

Company reported net profit for year 2019 at 356.7 million baht of which gain attributable to equity holders of the Company at the amount of 350.8 million baht. Earnings per share equaled to 0.17 baht. 4

2020. The standard affecting the group's operations is IFRS 9 Financial Instruments in which influenced the financial business as well as Thai Financial Reporting Standard 16 Leases that affect the

spending via QR code with popular merchants, as well as acceptance of payment via Alipay and WeChat Pay.  High Net Worth Individual We are determined to perform at the standard of an international

1,831.9 538.1 29.4 Deficit from business combination (22.9) (22.9) - - Total equity 11,331.1 10,793.0 538.1 5.0 Statement of Financial Position Change Analysis of Financial Position 10 Assets Total assets

mainly due to the amortization of lease liabilities that are more than 12 months following Accounting Standard of the regular accounting period. Total EquityE As of 30 June 2021, the total equity of the

188 165 1,303 1,132 Q4/2020 Q2/2021 Total Assets Total Liabilities and Equity Cash and Cash Equivalent Land, Property and Equipment Other Current Assets Other Non-current Assets Equity Current

and dividend payment. As at 31 December 2019, interest-bearing debt amounted to Bt94,184mn with debt to equity ratio of 1.36 and net debt to EBITDA of 0.92. Therefore, the company has strong capital

estimated doubtful debt of 4 million baht, recorded in the financial statements in accordance with the accounting standard Financial Issue No. 9 - Financial Instruments (TFRS9), thus, the Company has a net