Houses Bank Public Company Limited is assigned the company rating of “A-” (Single A Minus), affirms the rating of LH BANK’s hybrid Tier 2 capital securities at “BBB” and the results also affirmed the

the credit risk has increased significantly (Stage 2 Reserve) can be counted as Tier 2 Capital, while only reserve of pass class loans (Class 1 Reserve) is counted as Tier 2 under previous regulation

Public Company Limited is assigned the company rating of “A-” (Single A Minus), the rating of LH BANK’s Basel III Tier 2 capital securities at “BBB” (Triple B Straight). Analysis of Operating Results The

” outlook , and also affirms the rating of LH Bank’s Basel III Tier-2 capital securities at “BBB”. Branch Network As of 31 March 2021, Land and Houses Bank Public Company Limited had a total of 108 branches

credit risk has increased significantly (Stage 2 Reserve) can be counted as Tier 2 Capital, while only reserve of pass class loans (Class 1 Reserve) is counted as Tier 2 under previous regulation. Although

2,346 19.3% NNP - Owner of the parent 1,121 1,393 24.3% EBITDA margin (%) 27.4% 27.9% NNP margin (%) 9.5% 9.9% % NNP - Owner of the parent 57.0% 59.4% Remark: * Normalized net profit = Net profit

attributable to a reduction on interest expense from ABPIF compared to previous quarter.  NNP margin improved to 10.2% in Q1’2018, primarily due to improvement of our financing cost.  NNP attributable to owner

margin improved to 11.2% in 6M’2018 and 12.2% in Q2’2018, primarily due to improvement of our financing cost.  NNP attributable to owner of the parent is Baht 1,200 million in 6M’2018 or accounted for

interest expense of ABPR4 after its COD achievement in June 2018. • NNP attributable to owner of the parent is Baht 1,622 million in 9M’2018 and Baht 423 million in Q3’2018 or accounted for 61.3% and 56.8

-Current Liabilities 155.09 154.06 1.03 0.67 Total Liabitities 440.76 397.86 42.90 10.78 Equity attributable to the owner of the company 49.17 67.72 -18.55 -27.39 Basic Loss Per Share (Baht) -0.05 -0.10