%, accounted for 3.50% increase, compared with 64.12% gross profit margin for the same period last year. The increase in gross profit margin was mostly because the Group had better cost management especially the
financial intermediation sector at 17.1% of total loans. LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2018 Page 13/21 Big Corporate
which are continuing growth. Financial cost Financial cost of the Group consists of long-term loan from a commercial bank to purchase property, plant, and equipment which occurred at the end of 2016, and
rose by 13.5% YoY. 2 MD&A 3Q 2018 (ended 30 September 2018) MASTER AD PLC MANAGEMENT DISCUSSION & ANALYSIS 3Q 2018 6 NOV 2018 IMPORTANT EVENTS IN 3Q 2018 July - On 18 July 2018, shareholders at
Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2019 Page 5/22 Credit Rating LH Financial Group Public Company Limited is assigned the credit rating at
THB 375. 61 million or equal to EPS of THB 0. 30 per share, or 14. 02% down from 3Q2018. For capital structure of the Group, as at September 30, 2019, the consolidated debt to equity ratio was 0.40 time
derived from revenue generated from Outrigger group being acquired on 12 June 2018 as well as Crossroads project officially opening on 1 September 2019. 9M19 Net profit at THB 702m, or 33% decline YoY
funds), excluding equity funds. The amendments aim to ensure proper unit allocation and prevent any undue benefit by any particular individual. For example, the revisions require any person or group of