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

, and expertise. For example, where the complexity of a security or the structure of a type of security, or the lack of robust data about the assets underlying the security raise serious questions as to

and support them through the Covid-19 crisis, while strengthening loan portfolio quality through robust control of credit underwriting and risk management and maintaining the allowance for doubtful

plastic packaging customers that want to change the packaging to be modern, more durable and beautiful. (3) New customers that factory is located in Navanakorn Industrial Promotion Zone, Nakhon Ratchasima

circumstances. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK

the target. In this quarter, our impairment loss on loans and debt securities increased slightly from the prior quarter. At the same time, our robust capital position was sufficient to cushion against