. Domestic demand continued to expand from private consumption and public spending, while private investment contracted especially in real estate sector in line with decline in the supply of new real estate
and real estate development loans. 6 Meanwhile, cost of fund for 2018 was maintained at 2.3% resulting in loan spread to decline from 5.2% in 2017 to 5.0% for 2018. % 4Q17 2017 1Q18 2Q18 3Q18 4Q18 2018
from 7.5% to 7.2% yoy from the expansions of loan portfolio in the low yield segment – housing loans, corporate lending and real estate development loans. 6 Meanwhile, cost of fund for 2018 was
COMPANY LIMITED AI ENERGY PUBLIC COMPANY LIMITED AIKCHOL HOSPITAL PUBLIC COMPANY LIMITED AIM COMMERCIAL GROWTH FREEHOLD AND LEASEHOLD REAL ESTATE INVESTMENT TRUST AIM INDUSTRIAL GROWTH FREEHOLD AND
loans and long-term loans from financial institutions, trade account payables and other account payables for working capital and investment in real estate projects, and deposits and advance received from
30,889.5 27,844.6 3,044.9 10.9 Real estate and construction 22,884.5 20,789.9 2,094.6 10.1 Public utilities and services 38,426.4 38,074.2 352.2 0.9 Housing loans 28,746.0 29,134.9 (388.9) (1.3) Financial
mining 13.6 867.9 (854.3) (98.4) Manufacturing and commerce 37,569.5 39,909.8 (2,340.3) (5.9) Real estate and construction 22,429.5 22,893.8 (464.3) (2.0) Public utilities and services 39,018.0 40,527.0
and Real estate investment trust declined. 2. FUND MANAGEMENT BUSINESSS LH Financial Group Public Company Limited Management Discussion and Analysis for the Second Quarter ended 30 June 2019 Page 18/21