remained sound as banks continued to closely monitor credit quality and maintained high levels of loan-loss provision, capital fund and liquidity to facilitate further credit expansion. LH Financial Group

million baht, accrued income tax of 4.04 million baht, liabilities under lease agreements 3.74 million baht and non- revolving provision for employee benefits at 0.47 million baht incorporate with a

0.74% to (2.53%) An decrease in net profit is mainly contributed by the unrealized loss from fair value assessment of financial assets during Q3/2020 at THB 71.63 million and provision of obsolete stock

year. The increase in the overall gross profit margin was mainly driven by the reversal of provision for obsolete and slow-moving inventory, the increase in house brand revenue contribution in

Acts of Listed Companies concerning the connected transactions B.E. 2546, which the operations are categorized as provision or receipt of financial assistance transaction, it is not exceed Baht 100

the Company’s provision for doubtful accounts. 5 Liabilities The consolidated liabilities of the Company as of May 31, 2017 totaled 57,383 million baht, a decrease of 1,482 million baht, or 3% from

3,056.03 million (58.93% of total liabilities), long-term loans of THB 1,600.00 million (30.86% of total liabilities), provision for employees benefit of THB 386.79 million (7.46% of total liabilities

unused tax losses and allowance for doubtful accounts of Hi Healthcare Center Co., Ltd. Moreover provision for long-term employee benefits Management’s discussion and analysis for the Quarter 3’ 2019 7 / 8

realized the provision for impairment of subsidiary (AIL)’s Vessel for 1.62 million Baht, decreased by 15.78 million Baht from 2018. Also, the provision for impairment of subsidiary (AIPT)’s property, plant

unearned franchise revenue will be recognized as revenue over the 5-year period) and the increase in the provision for long- term employee benefits and the provision for decommissioning. (Note: Unearned