% 31,103 30,070 -3.3% Depreciation & amortization 6,262 7,332 7,738 24% 5.5% 14,839 21,986 48% (Gain) loss on disposals of PPE - (3) - NA -100% - 157 NA Management benefit expense (39) (48) (36) -6.6% -24

- ร่าง - 1 Nov 7, 2017 Subject Management Discussion and Analysis for the period of three months and the period of 1st half ended 30th September 2017 To President of the Stock Exchange of Thailand

- ร่าง - 1 Feb 13, 2018 Subject Management Discussion and Analysis for the period of three months and the period of nine months ended 31st December 2017 To President of the Stock Exchange of Thailand

- ร่าง - 1 Aug 14, 2019 Subject Management Discussion and Analysis for the period of three months ended 30th June 2019 To President of the Stock Exchange of Thailand Secretary of the Office of

Group Public Company Limited (the “Company” or “CBG”), are pleased to submit management discussion and analysis regarding consolidated financial performance and position of the Company and subsidiaries

- ร่าง - 1 Nov 9, 2018 Subject Management Discussion and Analysis for the period of three months and the period of 1st half ended 30th September 2018 To President of the Stock Exchange of Thailand

- ร่าง - 1 February 11, 2020 Subject Management Discussion and Analysis for the periods of three months and nine months ended 31st December 2019 To President of the Stock Exchange of Thailand

- ร่าง - 1 Nov 11, 2019 Subject Management Discussion and Analysis for the period of three months and the period of 1st half ended 30th September 2019 To President of the Stock Exchange of Thailand

(“the Company”) would like to submit the financial statement for 3rd quarter of 2022 ended as of September 30, 2022, which details are as following ; Unit : Million Baht Operating results (Consolidated

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