0.34 1.70 504.45% 0.69% 0.11% Financial cost 31.66 28.15 3.51 12.46% Corporate income tax 1.82 3.25 -1.42 -43.79% Total cost and expenses 298.98 293.80 5.18 1.76% For the overview of cost and expenses

tax 2.33 3.71 -1.38 -37.14% Total cost and expenses 396.48 313.43 83.04 26.49% For the overview of cost and expenses that happened in the 3rd quarter of 2020, the Company had the cost of goods sold

. Overview Operational Results Between the third quarter of the year 2019 and 2018 (Unit: Million Baht) Description 3rd Quarter Changes 2019 2018 Amount % Revenue from expressway business 2,608 2,561 47 1.8

31 MARCH 2018 LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter ended 31 March 2018 Page 2/18 Overview of Business Operation LH Financial Group Public

Yai and Chachoengsao branch). Industry Overview The retail industry in 2018 is expected to grow but at moderate level since the purchasing power of middle and low income consumers, who are the main

the Period Ended December 31, 2018 Business Overview In 2018, Ocean Glass Public Company Limited and its subsidiaries (“the Company”) reported consolidated revenues of Baht 2,031.10 million, decreased

% 63.0 8.7% 9.4 17.5% Net Profit 6.4 0.9% -17.4 -2.4% -23.8 -371.9% Retail Industry Overview and Overall of the Company‘s Performance During the past 2-3 years, the growth rate of retail sector industry in

well as other marketplaces e.g. Shopee, Lazada etc. Industry Overview Thai economy in 4Q19 was slowdown. On the domestic front, private consumption indicators suggested expansion in all spending

provide Management Discussion and Analysis for the year ended 2019 as follows: Overview of the operating result for 2019 The company’s total revenue for year ended 2019 was THB 196.60 million, increased by

0.40 The overview of cost of goods sold and expenses of the 2nd quarter of Y2017, the company could still managing the cost and expenses which were approximate as the same period of the last year. The