managed the customer credit during Covid- 19, including monitoring and collecting accounts receivable, resulted in the decrease in allowance for expected credit losses. 3 Management Discussion and Analysis
line with the continued economic slowdown, whereas overall consumer loan continued to grow at a high rate despite a slower growth in mortgage lending and auto loan, personal loan and credit card expanded
quality and maintained high levels of capital fund and loan-loss provisions to facilitate credit expansion going forward. Credit Rating LH Financial Group Public Company Limited is assigned the company
the real estate has an income guarantee, specify significant information such as conditions of the income guarantee agreement and information on the guarantor and credit rating (if any); - summarized
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