OHTL Public Company Limited and its subsidiaries Management Discussion and Analysis for the second quarter ended 30 June 2020 (Unit: Thousand Baht) 2020 2019 Increased/ (Decreased) Room revenue 337
exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential
quality and maintained high levels of capital fund and loan-loss provisions to facilitate credit expansion going forward. Credit Rating LH Financial Group Public Company Limited is assigned the company
expenses 81.3 81.7 64.4 (0.4) (0.5) 16.9 26.2 Income tax expenses 80.8 96.6 95.9 (15.8) (16.4) (15.1) (15.7) Revenue from sales and service Most of revenue from sales and services of the company comes from
% . This is because in 2023, the Company's income tax expenses increased significantly since the Company did not record allowances for expected credit losses from related receivables as deferred tax assets
levels of loan-loss provision, capital fund and liquidity to facilitate further credit expansion. Credit Rating LH Financial Group Public Company Limited is assigned the company rating at “BBB+“ with
Public Company Limited’s (the “Company”) Board of Directors Meeting No. 3/2021 held on 17 May 2021 passed a resolution to certify the financial statements and the performance for the three-month period
risks on of using financial tools as follows: 1. Credit Risks Risks on granting credit may occur by the customer who may be unable to practice in accordance with the agreement. The Company has policy to