(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

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

) (12.12) % to sales revenue 34.69 40.85 Notes: /1 Other selling expenses mainly comprise market survey expenses and rental expenses for Namu Life Shop Administrative Expenses The Company recorded

28 February 2020 Subject Management Discussion and Analysis for the years ended December 31, 2019 To The President The Stock Exchange of Thailand Do Day Dream Public Company Limited (the “Company” or

14 November 2019 Subject Management Discussion and Analysis for the nine months period ended Sep 30, 2019 To The President The Stock Exchange of Thailand Day Dream Public Company Limited (the

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

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

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(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE REVIEWED AND AUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE SECOND

over the long term. Guided by our core strategies of “Customer Centricity", KBank has decided to redefine our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred