for BGYSP earnings contribution from equity method to consolidation method after raising stake from 49% to 100% in Q3’2018 and 2) lower profits at our associate namely ABPIF. • Share of profit from

) change in accounting method for BGYSP earnings contribution from equity method to consolidation method after raising stake from 49% to 100% in Q3’2018 and 2) lower profits at our associate and our joint

the changing services after COVID-19. • Increased campaigns to promote sustainable social contribution activities such as - “Food for Heroes” to provide services for customers who wish to support and

offset by temporary revenue drop during 2Q20 from COVID-19 impact. Cloud and ICT solution grew double-digit YoY given its small base while EDS revenue, main contribution for enterprise non mobile, was flat

sector, 22.8 percent in the utilities and services sector, 12.2 percent in the housing sector, and 9.7 percent in the real estate and construction sector. The increase in loans from the end of September

0.8% 1.1% Utilities and services 421,595 422,319 399,372 (0.2)% 5.6% Housing 228,146 225,109 219,365 1.3% 4.0% Real estate and construction 191,176 187,971 179,973 1.7% 6.2% Agriculture and mining

as to increase its efficiency to meet market demand, contribution of information on procurements leading to the selection of quality raw materials at the reasonable price. At the same time, the board

them was public utilities and services at 24.9%, followed by manufacturing and commerce sector at 22.9% and housing loans sector at 19.2% of total loans. LH Financial Group Public Company Limited

%, followed by manufacturing and commerce sector at 22.9% and housing loans sector at 19.2% of total loans. LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter

. Moreover, in the future, such plots of land can be the location in which warehouses for leasing may be built, and they can be developed as residence, housing estate, for the future commercial purposes. (2