convenience for consumers at all stages related to real estate transactions. For example, researching, booking, checking the room and transferring ownership. The company gives importance to hygiene by providing
contribution from supermarket in Thailand, offsetting with closure of some convenience stores. In addition, the COVID-19 pandemic has positively impacted to our sales due to unprecedented demand for grocery and
platforms: LINE OA, Lazada and Shopee to provide convenience for customers at all stages related to real estate transactions. For example, researching, booking, checking the room and transferring ownership
expanding more service channels providing more convenience to customers and this also saved the Company’s operation cost. For the Cardless transactions currently accounted for 31% of total personal loan sales
customer acquisition rose to 64,500 in the quarter, resulting in total subscribers of 795,000. Despite elevated price competition in operator- switching segment, the Power4Maxx, a fixed- mobile- content
mobile market remained elevated with continued low-price unlimited data plans, especially in the prepaid segment i.e. 150-200 Baht for 4-15mbps unlimited data. There is also 5G offerings at a lower price
to enhance convenience and efficiency in customer services. KBank has focused our strategy on bolstering customer competitiveness. Aside from risk management products appropriate for customer needs in
purchasing power. However, from Sep-21 onward, restrictions were gradually lifted, resulting in some improvement in consumer spending. Meanwhile, competition in mobile industry remained elevated as operators
information checking, and fund purchasing under the slogan “LH Bank M Choice” is financial transaction in one application”. 3.2 LH Bank Speedy is a service for more convenience in the financial transactions
shops or online shopping with convenience. LH Financial Group Public Company Limited Management Discussion and Analysis for the year ended 31 December 2019 Page 7/22 3.5 Deposit, Withdrawal and Loan