liquidity ratio was 1.35 times. The Company maintained healthy financial position and sturdy debt service capacity with interest-bearing debt-to-equity ratio of 0.09 times. 2019 Outlook 2018 was the final

and small business loan. Although, the non-performing loans affected profitability, but the Thai commercial banking system still remained sturdy. Credit Rating Land and Houses Bank Public Company

loan. Although, the non-performing loans affected profitability, but the Thai commercial banking system still remained sturdy. Credit Rating Land and Houses Bank Public Company Limited is assigned the

engage in the business of generating and selling electricity with the Provincial Electricity Authority (PEA), which is the production of electricity from combustion of biogas from concentrated wastewater

remained concentrated on smaller packages as consumers affected by sluggish economy are seeking for value-for-money. Therefore, the industry ARPU remained under pressure amidst weak spending environment

of assets shall not be overly concentrated at a particular commercial bank, either in Thailand or in another country. Clause 51 Regarding custody of assets received from or possessed for a member, a

: While the company’s shareholding is concentrated with substantial influence from its founder, the risk is partly mitigated by its listing status and good financial disclosures. • The company was upgraded

and sustainable growth and diversify operating risk concentrated in Thailand. 2. The Company expects that the Transaction would create a strong business partnership where synergies could be achieved in

international distribution channels, allowing the Company to attain more stable and sustainable growth and diversify operating risk concentrated in Thailand. 2. The Company expects that the Transaction would

and household credit will increase. Meanwhile, competition for deposits is expected to be mild, as although the economy is likely to be on the rise, recovery remains concentrated in certain business