หนดช าระภายในหนึง่ปีจากการลงทนุของ บรษัิทฯ Consolidated 2561 2560 อัตราสว่นสภาพคลอ่ง (เทา่) 0.76 0.91 อัตราสว่นหนีส้นิทีม่ภีาระ ดอกเบีย้จ่ายตอ่สว่นของผูถ้อื หุน้ (เทา่) 2.09 1.13 อตัราสว่นภาระหนีส้นิตอ่

(THIS REPORT DISCUSSES PRINCIPAL CHANGES IN THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER

retail investors. The proceeds will be used for business expansion, capital restructuring and working capital. The issuance of the perpetual debentures also reduced the consolidated net interest-bearing

transaction of the Company and submit such opinion to the SEC, the SET, and the shareholders of the Company. In this regard, the net tangible assets (NTA) of the Company based on the consolidated financial

Consolidated Performance ไตรมาส 2/2559 ไตรมาส 1/2560 ไตรมาส 2/2560 % YoY % QoQ 6M/2559 6M/2560 % YoY รายไดจ้ากการขาย 4,844 4,246 4,826 0% 14% 9,179 9,073 -1% EBITDA 436 312 228 -48% -27% 843 540 -36% EBITDA

(including net investments in associates), and Baht 514.5 billion or 16.9 percent in net interbank and money market assets. Capital Reserves and Capital Adequacy Ratio Consolidated Million Baht Item Capital

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE UNREVIEWED AND UNAUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD

: Adjusted EBITDA Margin Consolidated Performance ไตรมาส 3/2559 ไตรมาส 2/2560 ไตรมาส 3/2560 % YoY % QoQ 9M/2559 9M/2560 % YoY รายไดจ้ากการขาย 3,901 4,826 5,180 33% 7% 13,080 14,253 9% EBITDA 349 228 211 -40

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE REVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED 30

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER