2. Operating results of the three months ended March 31st Descr iption First quarter of 2020 First quarter of 2019 Profit (Loss) for three months attributable to equity holders of the Company (from

.... Risk Disclosure Statement for Futures and Options Trading in Derivatives Exchange Date……………………………… We,……………[company name]………….…,who are a derivatives agent, hereby certify that Mr/Miss/Mrs

second quarter of FY2022, the consolidated expected credit loss was recorded at 1,851 million baht decreased of 154 million baht or 8% y-y. - Finance Cost The Company recorded consolidated finance cost in

) (40.61) (8.60) 13.52/1 (33.29) Note/1 Net loss decreased compared to the year 2018 by Baht 13.52 million or equivalent to 33.29%. For the year 2019, the Company has total revenues at Baht 548.29 million

million (2017 : loss amounting of Baht 0.22 million). 6) The company has corporate tax income for year 2018 amounting of Baht 7.10 million (2017 : amounting of Baht 0.19 million). 4F BB Building, 54

: loss Baht 3.9 million). 3. Profits Gross profit (GP) : GP of the Company and its subsidiaries decreased by Baht 76.6 million or 29.2%. The consolidated GP was 11.1% of total sales (Q1/2019: 17.1%). For

and its subsidiary recorded the net loss of Baht 3.01 million. 4. Net Profit The operating profit of the Company and its subsidiary for the second quarter of the year 2020 was Baht 7.51 million; this

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Including selling agent fee which receive from Subsidiary Company 3 In addition to the investment revenue, HF also had foreign exchange loss and advisory fee revenue totaling gain Baht 1 million and hedging

revenue and modification gain or loss include interbank and money market items LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter ended 31 March 2020 Page 14