(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

interest-bearing debt to equity ratio increased from 1.5 times as of December 31, 2018 to 1.6 times as of September 30, 2019. FINANCIAL POSITION STATEMENT OF FINANCIAL POSITION ABBREVIATION & OUR

, net interest-bearing debt to equity ratio decreased from 1.5 times as of December 31, 2018 to 1.0 times as of December 31, 2019. FINANCIAL POSITION STATEMENT OF FINANCIAL POSITION ABBREVIATION & OUR

O U T LO O K E X E C U T IV E S U M M A R Y 12 Statement of Financial Position Total Assets Total Liabilities and Equity Unit: THB Million, % Unit: THB Million, % Assets Liabilities Equity • As at 31

(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

asset of the Company calculated based on latest available consolidated financial statement of the Company as of 30 June 2017 3.2 Calculation of the Transaction Size under the Notification on Connected

(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 THIRD

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE REVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED 30

(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