Page 1 of 5 GEL.CS.021/2561 14 August 2018 Subject Management Discussion and Financial Analysis for the operating results of the second quarter of 2018, ended 30 June 2018 To Director and Manager The

IDH-AC-000-อส6305/04.00 11 May 2020 Re: Management Discussion and Analysis Operating results for the three-month period ended 31 March 2020 To: President The Stock Exchange of Thailand Overview of

(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

employees when compared to 31 December 2016. The Subsidiaries Performance Analysis Land and Houses Bank Public Company Limited Analysis of the Operating Results The management discussion and analysis of

system • Holding a lecture on Governance, Risk Management and Compliance (GRC) for executives and employees of KASIKORNBANK (CHINA) CO., LTD. • Holding the 2019 General Meeting of Shareholders in

(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

Baht 83 million or (22%) from Baht 383 million in Q3/2018 to Baht 466 million in Q3/2019. The increase was derived from all business units: engineering service, management service, solar energy, and

(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

(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

new clubhouse. For the property management business, revenue for the first half was THB 26.34 million, increased by 41.65% from the same period of last year. In summary, revenue from rent and service