, (5) Refusal Data • Online survey • 345 respondents • Age 20- 60 up • Education/Residence/Income/ Asset Fintech/ Digital Literacy Financial https://www.sec.or.th/TH/Documents/Seminars/seminar-010765-02

average of crude palm oil price (CPO-DIT) in 2Q2020 was at 22.00 Baht/kg., climbed up by 4.79 Baht/ kg. or 28% compared to 2Q2019 owing to demand growth of biodiesel as mandatory diesel shifting from B7 to

Tests – Q3 • There are TWO main specifications for investigating shifting from growth to risk signalling. • Although investors may predict better future financial performance when they observe strings of

of 265 million Baht, decreased by 42% or by 191 million Baht due to the absence of specific business tax and residence transfer expense. In 3Q 2019, the Company had a total finance costs of 219 million

) Quality Houses Leasehold Property Fund 45 41 4 10 Quality House Hotel and Residence Freehold and Leasehold Property Fund 18 16 2 13 Total 417 390 27 7 Note : *In July 2017, LH Financial Group Plc. increased

Property Fund 192 174 18 10 Quality House Hotel and Residence Freehold and Leasehold Property Fund 61 60 1 2 Total 1,927 1,776 151 9 III Cost of sales breakdown by business segment (Unit: Million Baht) 2019

2018 Change Change (%) Home Product Center Plc. 304 261 43 16 LH Financial Group Plc. 104 111 (7) (6) Quality Houses Leasehold Property Fund 49 43 6 14 Quality House Hotel and Residence Freehold and

groups such as launching a campaign "Rent before buying" to respond clients who need their own residence but they were not ready for sum of money. 2. Operating Results (Company and Subsidiaries) Total

in TSE, has operated its business into various angle including Condominiums & Houses, Hotel Development, Residence Services, Real Estate Investment Advisory and Condominium Management. 4. Other income

Change Change (%) Home Product Center Plc. 247 282 (35) (12) LH Financial Group Plc. 132 111 21 19 Quality Houses Leasehold Property Fund 41 46 (5) (11) Quality House Hotel and Residence Freehold and