(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

cost optimization will be the key engine to grow EBITDA at mid-single digit growth. CAPEX is estimated between Bt27-30bn for growth opportunities in core business and to sustain our network leadership

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4

strongly, especially on a same-store basis that continues to grow together with cost effective management. Excluding the non-recurring items, total revenue increased 9.0% YoY and net profit increased 7.4

place policies, processes, operational procedures and criteria for loan transactions and credit risk management which are in compliance with the government’s single-account scheme, taking into

(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

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ข้อหารือ/การตีความ คำพิพากษา / คำวินิจฉัย การประเมินผลสัมฤทธิ์ของกฎหมาย รายงานการวิเคราะห์ผลกระทบที่อาจเกิดขึ้นจากกฎหมาย/กฎเกณฑ์ (RIA) Rulebook for Asset Management กระบวนการออกกฎหมาย โครงการปฏิรูปกฎเกณฑ์

(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