(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 UNAUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

) directors and management (2) persons with controlling power (3) major shareholders of the Company; or (4) other companies having the persons specified in (1), (2), or (3) as major shareholders or persons with

with the Company : Buyer has no relationship with the Company or (1) directors and management (2) persons with controlling power (3) major shareholders of the Company; or (4) other companies having the

world’s leading real estate developer that has a long history of success and business experience over 60 years in Asia and many country in the world such as Japan, China, Hong Kong, Vietnam, USA and

including other market. For instance, the Hong Kong market has expand the sales distribution, the Indonesia market has placed their product through the modern trade channel including the CLMV countries

Leelawatwattana 5. Mr. Keeree Kanjanapas 6. Mr. Surapong Laoha-Unya 7. Mr. Kong Chi Keung 8. Mr. Pakpoom Srichamni 9. Mrs. Jaikaew Tejapijaya 5. Total value of consideration The investment value of the Company is

long as the billboards continue to be used. Currently, this case is being considered by the Civil Court. The Company’s management believes that such events will not have any significant impact on the