Address Explanation on details of information required to be disclosed in Factsheet 1. Guidelines on the use of language, font and number of pages • Language: Concise and easy-to-understand language shall
administrative penalties of not exceeding Baht 100,000 and fines of up to Baht 10,000 a day until they comply with the law. The Bank of Thailand’s Policy Guidelines Re: Loan Transactions, Investment in
Financial Reporting Standards 15, Revenue from Contract with Customers (TFRS 15) which was enforced on the 1st January, 2019. The Group adopted protocols from TFRS 15 by way of realizing cumulative effect
restructuring and cost management as well as reserve requirements to comply with Liquidity Coverage Ratio (LCR) guidelines under Basel III. In terms of loan quality, the ratio of gross non-performing loan (NPL
shall comply with this Notification. In this regard, where the rules, under this Notification or under other Notifications of Capital Market Supervisory Board including any regulations or guidelines
comply with the guidelines of the terms and conditions as prescribed and notified by the SEC Office. Clause 38 Any amendment to the rights, duties, or liabilities of the corporate bonds after the issuance
accounts of the bank are adequate with the Bank of Thailand’s guidelines. Bad Debts, Doubtful Accounts and Impairment Loss The bank had bad debts and doubtful accounts following the Bank of Thailand’s
accounts decreased by 42.6%. due to the allowances for bad debt and doubtful accounts of the bank are adequate with the Bank of Thailand’s guidelines. LH Financial Group Public Company Limited Management
allowances for bad debt and doubtful accounts of the bank are adequate with the Bank of Thailand’s guidelines. Bad Debts, Doubtful Accounts and Impairment Loss The bank had bad debts and doubtful accounts