(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE AUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER
segments, we focus on creating innovations and managing financial products, as well as reinforcing our sales and service quality excellence, with greater consideration of consumer protection in order to
to increase new Subscriptions licenses of Oracle ERP rather than selling a legacy Oracle on premises one. This will significantly generate a recurring income to ICE in the near future. Revenue from
order to alleviate such impact on our customers, the Company offered credit assistance measures to those customers affected by COVID-19, in line with the Bank of Thailand’s measures to ease debtors
the on premises sales of its software and the sales of hardware. N o n -recurring revenue in the H R Solution grew 63.65m b , largely from the consolidation of TigerSoft’s result, while ERP’s
rate from 0.75 to 0.50 percent at its meeting on May 20, 2020 (previous cuts were made on February 5 and at an emergency meeting on March 20. The global economy has been impacted by the Covid-19 pandemic
V3 27/02/63 0 V3 27/02/63 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in 2019 In 2019, the Thai economy grew by 2.4 percent year-on-year, down from
ราคาปดิของตราสารหนี้ท่ีขึ้นทะเบียนกับ ThaiBMA และประกาศราคาปิดทุกวันท าการ โดยมีวิธีการค านวณราคาปิดตามล าดับ ดังนี้ (1) ราคาซื้อขายล่าสุด ณ วันท าการนั้น (2) ราคาที่ primary dealer quote (3) ราคาจาก
+ %')'#+"#$./+.'* !#[/+(#$PKL ,"' #$./+.'* % *#%"O* (cost income ratio) +" 58% %!' )'#+"#$O*./+bK$% *#%"O*P K 91% .')"#" &'.#% &P* M)* (return on equity) !+ %'#$./+.'*̀?#! #" !()*&'.#%&P* M)*P#$ 'M'#$./+.%O**! #" .''#$O*./+ ' 9