deed of variation in respect of rights and fees to the sponsorship agreement with Chelsea Football Club Limited to extend the contract from the previous scheme of a three-year sponsorship ending 2019. At

2018 amounted to Baht 17.1 billion, an increase of Baht 168 million or 1.0 percent from the fourth quarter of 2017, due to a reduction of Baht 445 million or 4.5 percent in interest expenses, mainly from

next book value after reduction of the allowance for doubtful debit as shown on the balance sheet. 2. Risks on Interest Rates Risks on the chanage of interest may cause the damage on the Company in

the fact that last year CTARAF property fund received a special contribution income relating to a reduction in rental fees, whereby the Company received a share of this special income totaling Baht 31.6

various cost reduction initiatives. Reductions in operating costs and general administrative expenses, such as utility cost, certain outsourced services and excessive administrative costs at both business

the loan interest rate to assist customers impacted by COVID-19 pandemic together with more conservative loan approval. However, the bank’s interest expenses dropped from the reduction of the

reduction in lending rates for MLR, MOR, MRR, restructuring made to terms including installment reductions, loan term extension in line with the customer financial ability and other assistance as appropriate

(collective investment scheme) ที่จัดตั้งขึ้นในประเทศกลุ่มอาเซียน โดยได้รับอนุญาต การจดทะเบียน หรือการด าเนินการอ่ืนใดในท านองเดียวกับการอนุญาตหรือการจดทะเบียน จากหน่วยงาน ก ากับดูแลหลักให้จัดตั้งโครงการดัง

ประเทศแบบ recognition scheme สำมำรถพึ่งพิงกำรก ำกบัดูแลของ หน่วยงำนก ำกบัดูแลหลกั (“home regulator”) ได ้ ทั้งน้ี เพื่อให้เป็นไปตำมแนวทำงขำ้งตน้ ส ำนกังำนเห็นควรด ำเนินกำรดงัน้ี 1) น ำบทบญัญติัวำ่ดว้ยกำรอ

. (“CTBC”) under a private placement scheme at Baht 2.20 per share. Upon the completion of the transaction, the shares held by CTBC in LHFG will be 35.6 % of total paid-up capital of LHFG, whereby the