provide Management Discussion and Analysis for the year ended 2019 as follows: Overview of the operating result for 2019 The company’s total revenue for year ended 2019 was THB 196.60 million, increased by

0.40 The overview of cost of goods sold and expenses of the 2nd quarter of Y2017, the company could still managing the cost and expenses which were approximate as the same period of the last year. The

expense 11.65 10.71 0.79 0.77 Total cost of goods sold and expenses 1,431.44 1,360.32 The overview of costs and expenses of the year 2017, the proportion of cost good sold decreased that resulted to the

Yai, Chachoengsao, Rayong and Diana Branch. Industry Overview Thailand’s overall economy grew slower than expected in 1Q19 due to domestic and global factors. The biggest impact is from the global

2.27 1.00 0.55 Total cost of goods sold and expenses 373.85 392.14 The overview of costs and expenses of the 1st quarter 2018, the proportion of cost good sold decreased that resulted to the increase of

MARCH 2018 LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter ended 31 March 2018 Page 2/18 Overview of Business Operation LH Financial Group Public Company

those returns. Therefore, the Company included the financial statements of TBSP in preparing the consolidated financial statements since April 4, 2018. Revenue Breakdown Business Overview 2Q18 and 1H18

www.wiik.co.th   Unit : million Baht Quarter 1/2020 Quarter 1/2019 Changed (%) Income tax income (expenses) (5.76) 0.89 (747.19) Profit for the period 24.39 0.12 20,225.00 Overview of the Company’s operation

MARCH 2020 LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter ended 31 March 2020 Page 2/20 Overview of Business Operation LH Financial Group Public Company

30, 2020 as follows: Performance Overview For the first six months of 2020, the Company and its subsidiaries had net loss attributable to equity holders of the Company amounting to Baht 49.83 million