share as of February 28, 2017. For nine month period of 2017, the Company recorded return on equity (ROE) at 19.0% and return on asset (ROA) at 3.6% and equity ratio of 18.6%. Debt to Equity ratio as of
15,822 million baht at the end of fiscal year 2017. Consequently, book value as of November 30, 2018 was 69 baht per share, increased from 62.9 baht per share as of February 28, 2018. Debt to Equity ratio
investment in last year. The Company maintained healthy financial position and sturdy debt service capacity with interest-bearing debt-to-equity ratio of 0.56 times. 2019 Outlook Company maintains 2019 outlook
accounts decreased by 42.6%. due to the allowances for bad debt and doubtful accounts of the bank are adequate with the Bank of Thailand’s guidelines. LH Financial Group Public Company Limited Management
Interim Management Discussion and Analysis For the three-month period ended 31 March 2020 Lam Soon (Thailand) Public Company Limited and its subsidiaries Page 1 of 2 Financial performance analysis
of cash and current investments from IPO proceeds. Debt to equity ratio was at 0.3 times. Unit: THB million Osotspa Public Company Limited Management’s Discussion and Analysis (MD&A) Consolidated
relocation of the sales and marketing team to PlanB under Advertising Media Management and Service Agreement. SG&A to revenue ratio increased from 32.4% to 41.6%. In this quarter, the Company recorded a share
quality management, thus achieving greater efficiency. 14 Regarding debt collection from large business customers, KBank assesses debt quality closely, using established indicators to ensure timely
debenture. As a result, the financing cost was reduced. As 30 September 2019, the Company debt to equity ratio (D/E) equal to 0.94 times. Page 3 Net Profit The Company net profit for the 9-month period ended
in account payable. Return on Equity (%) 0.28 0.59 (0.31) Decreased from under performance Debt-to-Equity Ratio (x) 0.24 0.17 0.07 Increased in lease liabilities and decreased from equity due to adopt