(THIS REPORT DISCUSSES PRINCIPAL CHANGES IN THE AUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER

registered companies that conduct environmental business, social, and outstanding governance (ESG). Stakeholders are considered both socially and environmentally, including management procedures for creating

Page 1 of 4 No. RJH – SET 12/2017 11 Aug 2017 Subject : Management Discussion and Analysis for the 2nd Quarter of 2017 ending on 30 June 2017 To : The President The Stock Exchange of Thailand

* Note Please find further information in the consolidated financial statements. 1 23 February, 2018 Subject: Management Discussion & Analysis (MD&A) for the year 2017 Attention: The President The

efficient cost management such as staff cost and other related cost. Administrative Expenses In year 2017, administrative expenses increased by 12% yoy and 6% yoy in the fourth quarter mainly due to the

IPD which generated highest margin comparing to other categories. Moreover, the efficient cost management such as medicine & medical supplies as well as the benefit from economy of scale in term of

disclosure of non-financial information, for example, management  discussion and analysis (MD&A), CG statement and CSR report. (2) Enforcement: Points of positive assessment include the determination of listed

MANAGEMENT DISCUSSION & ANALYSIS 2Q 2018 14 AUG 2018 U CITY PCL 2Q 2018 MD&A (for the quarter ended 30 June 2018) 1 U CITY PCL 15 MAY 2018 2Q 2018 KEY FINANCIAL HIGHLIGHTS  Total revenue rose

CSL outstanding shares. Following the acquisition, AIS will have greater capability to serve increasing business demand for digital solutions e.g. Cloud, business solutions, and managed services in the

1 Forth Smart Service Public Company Limited (FSMART) 3Q2020 Management Discussion and Analysis Operational Summary in 3Q20 (recovered from Covid-19 pandemic)  Net profit was Bt123mn, increasing