/ Total loans (excluding interbank) 4.0 Total loan loss reserve/ Total NPLs (coverage ratio) 1 114.1 113.2 110.1 111.2 111.2 115.9 1 Excluding loans classified as Purchased or originated credit impaired

account for financial transaction from one account to two accounts. (b) Loan Agreement dated 17 February 2014 between the Company, as Borrower, and Mr. Niramd Ngarmchamnanrith, as Lender, with a credit

”). 2. After the purchase of the Trade Debt in 1., the Company entered into a credit agreement dated May 12, 2017 (the “Credit Agreement”) with the loan amount of USD 41,000,000, or equivalent to THB

-473-8398 Credit facility : Long-term loan in amount of not more than THB 400 million (no collateral) Interest Rate : 3.25% per annum Maturity : Not more than 3 years starting from March 2nd, 2018 until

facility agreement with Link Capital I by increasing SBLC facility amount which has same maturity date with the main credit facility to be end date on January 22, 2022, in form of a secured loan with the

environment, but its lending and deposits in the third quarter of 2018 grew further, with lending expanding at a higher rate than deposits. Consequently, the loan to deposit ratio has risen from the previous

than loans, liquidity in the commercial banking system increased from the end of last year. Meanwhile, loan quality, measured by the ratio of non-performing loans (NPLs) to total loans, continued to

their continue concern on loan portfolio quality. Although the deterioration in credit quality affected profitability, but Thai commercial banking system’s remained sound as banks continued to closely

on loan portfolio quality. Although the deterioration in credit quality affected profitability, but Thai commercial banking system’s remained sound as banks continued to closely monitor credit quality

levels of loan-loss provision, capital fund and liquidity to facilitate further credit expansion. Credit Rating LH Financial Group Public Company Limited is assigned the company rating at “BBB+“ with