(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

(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

-month and 6-month period ended 30 June 2020 in comparison with the corresponding period last year ended 30 June 2019 1 Revenue from sales In the 2nd quarter of 2020, total revenue from sales were THB

Discussion and Analysis For the Three-month and Nine-month Periods Ended 30 September, 201# Page 2 Unit : Million Baht Statement of Financial Position Dec 31, 2017 Jan 1, 2017 Assets Total Assets - Previously

Hero Experience, at the price per share of up to Baht 335.29377 and total purchase price of up to Baht 270,000,000, which is higher than the par value. The Subscription of newly issued shares will be

performance and financial position for the fourth quarter and year ended December 31, 2018 with those of 2017. This report discusses principal changes in the unaudited consolidated financial statements. Overall

2020, deposits grew at a higher rate than loans and, as a result, the ratio of loans to deposits declined from the end of last year. The ratio of non-performing loans (NPL) to total loans is likely to

principal amount of USD 193 million. Meanwhile, RHIS also completed its issue and offering of “US$300,000,000 4.5% notes due 2028” in the amount of USD 300 million. The new notes were issued with a tenor of