to lower bad debt provision while decreasing -11%QoQ due to some seasonal staff-related expenses. Net FX loss was Bt223mn, turned negative, compared to FX gain of B263mn in 4Q20 due to THB depreciation

closed from nationwide restriction. SIM & Device margin was marginally negative at -0.5%, down from +2.7% in 2Q21 due to decline in high margin devices sale. Cost & Expense Cost of service in 3Q21 was

staff-related expenses. Net FX loss was Bt-42mn in 1Q22, turned negative, compared to FX gain of Bt163mn in 4Q21 due to THB depreciation. AIS has the policy to mitigate the currency risk using hedge

been paid to investors. The company continues to experience a negative cash cycle, indicating that it does not rely on financial institutions, leading to a consistent reduction in financial costs. The

Consumer Staples Energy Positive Inline Negative สัดส่วนจ านวนบริษัทจดทะเบียนที่ม ีearning surprise ทางบวก/ลบ Source: Bloomberg, data as of May 2024 นอกจากนี้บริษัทจดทะเบียนเกินครึ่งรายงานก าไรสุทธิสูงกว่า

violate the professional code of ethics or international auditing standards, and  the violations lead to negative effect to the overall reliability of the Thai Capital Market. Normal 1. Qualification of

“Positive” outlook by TRIS Rating. Land and Houses Bank Public Company Limited is assigned the company rating of “A-” (Single A Minus), affirms the rating of LH BANK’s hybrid Tier 2 capital securities at “BBB

Minus), “Stable” outlook and affirms the rating of LH BANK’s Basel III Tier 2 capital securities at “BBB” (Triple B Straight) by TRIS Rating. LH Financial Group Public Company Limited Management

maturity of 5 years, at the average interest rate not exceeding Minimum Loan Rate minus 2.30%. Information regarding net debt to equity ratio of the Company is as follows: - The net debt to equity ratio of

million or equivalent to approximately Baht 2,641.50 million with maturity of 5 years, at the average interest rate not exceeding Minimum Loan Rate minus 2.30%. Information regarding net debt to equity