(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

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

Securities and Exchange Commission No. KorDor. 30/2540 Re: Sale of Securities by a Securities Company Which Does Not Have Possession of Such Securities dated 31 July 1997, the Office of the Securities and

Eng_MD&A Final Q3'19 November 13, 2019 Ref: SET-2019-011 Re: Management Discussion and Analysis for Quarter 3’ 2019 Attn. to: President The Stock Exchange of Thailand Filter Vision Public Company

2,093 Unit: million Baht 31 December 2018 31 December 2017 Fin an cia l St at us Total Liabilities 5,607 5,492 Total Asset 18,824 19,546 Total Equity 13,218 14,054  The Company posted net loss for the

) 886 2,093 Unit: million Baht 31 December 2018 31 December 2017 Fi na nc ia l St at us Total Liabilities 5,607 5,492 Total Asset 18,824 19,546 Total Equity 13,218 14,054 • The Company posted net loss for

(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 SECOND

(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

increased by 3.9% ( y-o-y) , resulting in the net profit attributable to Euity holders of the company in the year 2019 amounted to Bt939. 9 million decreased by Bt110. 7 million or 10.5%(y-o-y) , with a net

of total expenses at 5.2%(y-o-y), the Net profit attributable to Equity holders of the Company in Q1/2019 were of Bt347.9 million which increased by Bt25.3 million or 7.8%(y-o-y), representing the Net