the pro forma financial information of HCGB. Liquidity and Appropriateness of Capital Structure As at 31 December 2018 and 2019, the Company had the current ratios of 1.10 and 1. 14 and the quick ratios

the quick ratios of 0.55 and 0.70, respectively. The increases were because the Company had less inventories corresponding to the decreased sales values. In its business operation, the Company uses the

2019 Change Reason Liquidity Ratio (x) 5.39 5.85 (0.46) Decreased mainly due to current portion of long-term lease liabilities increasing while asset increased less that liabilities increased. Quick

announced in many countries, severely impacting both the tourism service sector and related businesses. Meanwhile, merchandise exports shrank as the global demand weakened due to lockdown measures and supply

Thailand's Private Sector Collective Action Coalition Against Corruption LH Financial Group Public Company Limited, Land and Houses Bank Public Company Limited and Land and Houses Fund Management Company

ใชข้อ้มลูลา่สดุ (ถา้ม)ี ระบแุหลง่ขอ้มลู ชว่งเวลาของขอ้มลูและกลุม่อตุสาหกรรม (sector) ทีใ่ชอ้า้งองิ ส าหรับกรณีทีไ่มส่ามารถหาขอ้มลู อา้งองิ ใหร้ะบวุา่ “ไมม่ขีอ้มลู” • กรณีผูอ้อกตราสารเป็นบรษัิทในกลุม่อ

ประเทศไทย ขณะเดียวกนั ยงัร่วมบรรยายหวัข้อ Key developments in the financial sector to integrate ESG plus human rights performance into their business evaluations ในงานประชุมระดบัชาติว่าด้วยธุรกิจกบัสิทธิมนษุย

driven by global trade recovery and well-performing trading partners’ economies. Also, tourism sector robustly expanded, reflected from an increasing number of international tourist arrivals especially

of continuous expansion of Thailand’s economy. This is mainly driven by export sector, which enables to be well expanded including with gradual recovery of domestic economy significantly driven from

sector spending and consumption. The Group’s revenues during the last quarter of 2016 and 2017 was affected. In 2017, the Group had total revenues of THB 2,407.17 million with a decrease of THB 153.73