– Jun’19, C-Vitt sales continued to grow and maintained market share at 22.5% further improved 558 bps YoY. This maintenance helped increasing the production efficiency and expand capacity, leading to at

and helped offset the still lingered at a low level of private investment and contracted in public spending. As the momentum from the above mentions, the Thai economy was expected to improve further

households. These drivers combined to support growth momentum and helped offset the still lingered at a low level of private investment and contracted in public spending. As the momentum from the above

helped us to achieve our business goals, while also appropriately maintaining asset quality.  Multi-Corporate Business Large corporate clients continued their business expansion activities amid signs of

, which helped support investors’ confidence. This is despite the fact that this factor, coupled with the stable policy rate, resulted in increased volatility in money and capital markets as well as foreign

helped us to achieve our business goals, while also appropriately maintaining asset quality. Major initiatives in this quarter are as follows.  Multi-Corporate Business Prioritizing customer needs in the

operating consumer goods business with largest convenience store chain. For your information Sincerely (Mr. Chirdsak Kukiattinun) Executive Chairman

membership card, “Bangchak Green Miles” debuted, and Bangchak Mobile Application which provide customers with convenience and swiftness was introduced. However, net marketing margin declined from the

receipts, however, the country’s current account turned to show a surplus. Moreover, clarity regarding Thailand’s general election date helped curb capital outflows, and the Thai Baht resumed its

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