% 31 th March 2020 31th March 2019 31th March 2020 31th March 2019 million baht % million baht % million baht % million baht % Revenue from sale of real estate 233.65 98.20 443.59 98.99 118.71 68.81

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of Services The Company incurred service costs for the 3rd quarter of 2018 equal to 173.0 million baht more than the 3rd quarter of 2017 at 13.5 percent as compare to the same quarter last year. The

statement for the third quarter in 2018 reported a net profit of 2.6 million baht more than the third quarter in 2017 at 98.0 percent and the Company’s net profit margin equal to 0.09 percent. Thus, the

.  Restriction on utilization of real estate has been removed by adding right-based asset as a new asset class which involves the right to use properties that can be transferred and placed as a guarantee for debt

the capital increase to increased the capital in the Land and Houses Bank Public Company Limited. Consequently, the bank's capital base on July 31, 2017 more than double or equal Baht 39,475.17 million

the first quarter of 2018 equal to 37.0 million Baht, an increasing from the first quarter in 2017 1.6%. Major components of an increasing in employee remuneration and selling expenses from the business

had service and administrative expenses for the first quarter of 2020 equal to 27.1 million baht, a decreasing from the first quarter in 2019 3.3%. Management Discussion and Analysis Q1/2020 Page 3/4

transaction size is equal to or higher than 15 percent but less than 50 percent which must be disclosed according to the asset acquisition criteria as specified in the Notification of the Capital Market