(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE UNREVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE REVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED 30

(Additional) To President The Stock Exchange of Thailand Enclosure 1. Information Memorandum on the Asset Acquisition (Addendum 1) regarding acquisition of shares of S-TREK (Thailand) Co., Ltd. in the

credit foncier company under the Financial Institutions Businesses Act, B.E. 2551. “Stock Exchange” means the Stock Exchange of Thailand. “subordinated bond” means an unsecured bond where the rights of the

and Analysis of Business Operation for Q1/2020 Bangchak Corporation Plc. | Statement of Income Consolidated Statement of Income (Unit: Million Baht) Q1/2020 Q4/2019 YoY Q1/2019 QoQ Revenue from sale of

Stock Exchange of Thailand on October 17, 2019. The Company currently manages 34 shopping malls with the net leasable area (NLA) of approximately 1.8 mn sqm. At the end of 2019 the average occupancy rate

(THIS REPORT DISCUSSES PRINCIPAL CHANGES TO THE UNREVIWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE FIRST QUARTER ENDED 31

debt to EBITDA of 1x and decent interest coverage ratio of 14x in FY20. Asset turnover: Inventory was well-managed with inventory days declined from 51 days to 44 days due to lower handset stock. Account

low net debt to EBITDA of 0.8x and decent interest coverage ratio of 16x. Asset turnover: Inventory was well-managed with inventory days declined from 44 days to 22 days due to lower handset stock

: Inventory was well-managed with inventory days increased from 22 days to 27 days due to increased stock handset after a supply shortage in FY21. Account payable days maintained at 73 days, stable from FY21