maintaining the financial ratios (if any): Early redemption: Interest rate:  Fixed  Floating  Fixed and Floating Registrar: Interest payment period: Securities company underwriting the debt structure notes

(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

from 32.44 USD/ton in January 2018 to 31.23 USD/ton in March 2018 (up 4%). As a result, the company reported profit for the period of THB 64 million, decreased by 56% yoy. The Company reported financial

% of total revenue); decreased by 45% as compared to Q1 2018 of 211 million Baht, comprising of: (1) gross profit from property business of 9 million Baht (14.5% of total revenues from property business

period -116.91 -34.41 -82.50 -239.76 Non-controlling interests of the subsidiaries -10.37 0.15 -10.52 Profit(Loss) attributable to equity holders of the company -102.92 -35.98 -66.94 -186.05 Financial

Financial Ratio 1Q21 FY21 1Q22 Net Profit Margin (%) 22.8% 17.1% 20.3% Interest Coverage ratio (Times) 4.2 3.6 4.3 Allowance for Expected Credit Loss/ Total Receivables (%) 12.8% 12.0% 11.6% NPL Coverage

the pro forma financial statements, particularly if the difference is more than twenty-five percent of the estimated figures on revenues or net operating profit; (2) any action taken by director

. Significant Financial Ratios* Description Unit 2nd Quarter 2019 2018 Net Profit Margin ratio % 19.41 24.14 Return on Equity ratio % 8.89 11.03 Return on Total Assets ratio % 3.46 4.13 Debt to Equity ratio Time

ended December 31, 2017 consisting of Separate Financial Statement and Financial Statements of the 11 subsidiaries Unit: million baht January-December 2017 2016 Variance Amount % Net profit (loss) for the