resilient as banks continued to closely monitor credit quality and maintained high levels of loan-loss provisions, capital fund, and liquidity to facilitate further credit expansion. LH Financial Group Public
systems remained sound as banks continued to closely monitor credit quality and maintain high levels of provisions, capital fund and liquidity to facilitate further credit expansion. LH Financial Group
expenses associated with GLAND’s operations since the acquisition in 3Q18 onwards. Nonetheless, CPN demonstrated prudent cost control measures and closely monitors the expenditure level to match revenue
to closely monitor credit quality and maintain high levels of capital fund and loan loss provisions to withstand a potential adverse impact from economic uncertainty. Credit Rating LH Financial Group
of the virus in other countries and the possibility of a second outbreak in Thailand. The Bank continues to monitor the situation closely and prudently assessing the portfolio quality while continuing
remained sound as banks continued to closely monitor credit quality and maintained high levels of loan-loss provision, capital fund and liquidity to facilitate further credit expansion. LH Financial Group
projection late last year. The ratio of non- performing loan (NPL) to total loans was 4.1 percent. The ratio of loan loss reserves to NPL was 170.5 percent. The Bank continues to work closely side by side and
appropriate. (2) Matters involving shared responsibility of the board and management are matters requiring joint consideration between the board and management. The board must closely monitor these matters
a certified public auditor and opinion of an independent financial advisor that the projections have been carefully prepared -None- 15. Pending material lawsuits or claims As of 31 December 2017, The