the total 128 branches, the number of branches is equivalent when compared to the year of 2018. Products and Services Land and Houses Bank Public Company Limited has continuously developed for the

% Cash, cash equivalent and short-term investments 15,179 14,940 -1.6% Total assets 100,636 110,161 9.5% Total interest-bearing debts 58,173 60,721 4.4% Total liabilities 72,897 81,625 12.0% Total equities

the total 128 branches, the number of branches is equivalent when compared to the year of 2018. Products and Services Land and Houses Bank Public Company Limited has continuously developed for the

(3) Interest bearing debt to equity net of cash and cash equivalent and short-term investments 1Q 4Q 1Q YoY QoQ 2018 2018 2019 (%) (%) Profitability Ratio Gross profit margin (1) (%) 52% 49% 50% (2%) 1

shareholder (the “Share Acquisition Transaction”). The Company will acquire shares equivalent to 37.5 percent, and has expended THB 324,999,779.28 in negotiation process in acquiring such shares. In carrying on

, 10110 Tel. 0 2204 2601 Fax. 0 2204 2616 and acquisition of shares from the existing shareholder (the “Share Acquisition Transaction”). The Company will acquire shares equivalent to 37.5 percent, and has

POSITION ABBREVIATION & OUR PROJECTSEXECUTIVE SUMMARY FINANCIAL PERFORMANCE FINANCIAL POSITION PROGRESS OF PROJECTS UNDER CONSTRUCTION 10 31-Dec-2018 30-Jun-2019 change Btmn Btmn Cash, cash equivalent and

issued shares of Hero Experience and acquisition of shares from the existing shareholder (the “Share Acquisition Transaction”). The Company will acquire shares equivalent to 37.5 percent, and has expended

(the “Share Acquisition Transaction”). The Company will acquire shares equivalent to 37.5 percent, and has expended THB 324,999,779.28 in negotiation process in acquiring such shares.In carrying on TMX

debt to equity net of cash and cash equivalent and short-term investments Table 4: Key Financial Ratios 1Q 4Q 1Q YoY QoQ 2019 2019 2020 (%) (%) Profitability Ratio Gross profit margin (%) 52% 52% 51% (1