period last year, especially in the tourism sector. However, exports and private investment – two major economic drivers – continued to slow in line with the sluggish global economy and trade volume amid

Quarter ended 30 September 2020 Page 3/19 Thailand's Private Sector Collective Action Coalition Against Corruption Certificate LH Financial Group Public Company Limited, Land and Houses Bank Public Company

support of investment and private spending as well as bolstering opportunities for other economic sectors. Nonetheless, protectionism triggered by the US-China trade dispute dealt a blow to global economic

Phuket and Phang-Nga project. And - After receiving an approval from Annual General Meeting for issuance and offering of warrant to private placement (Miss Kantima Rodsatru) at amount of 90,000,000 units

Phang-Nga project. And - After receiving an approval from Annual General Meeting for issuance and offering of warrant to private placement (Miss Kantima Rodsatru) at amount of 90,000,000 units and

laws3 Specify the applicable laws on debt securities 1.1.4 Clarify the obligations to which the Company has committed in the registration statement for securities offering and/or the approval conditions

Approval for Offering for Sale of Structured Notes and relevant notifications. - 4 - SEC Classification : ใชภ้ายใน (Internal) (1) Spending of the money obtained from each offering of equity or debt

entire business transfer by a public company pursuant to Section 107 of the Public Limited Companies Act B.E. 2535 (1992) (as amended). Therefore, the Company is required to seek approval from a

Ratios Debt to Equity times 0.42 0.42 0.45 Interest coverage times 531.88 227.59 95.03 Dividend payout (%) 55.85%* 55.65% 67.84% * Pending for approval from the 2019 annual shareholders’ meeting Operating

Financial Policy Ratios Debt to Equity times 0.40 0.42 0.42 Interest coverage times 3,095.00 545.41 222.73 Dividend payout (%) 76.07%* 55.96% 55.68% * Pending approval from the 2020 annual general meeting of