outstanding at end of the previous year and at end of this year) / Operating Revenue (Annualised) * The Company restated the financial performance from 26 January 2017 after the consolidation of VGM under the

. Summary of Operation for Q4-2019 Topic Outstanding by Quarter Change Q4 – 19 Q3 – 19 Q4 – 18 Q4 – 19 VS Q3 – 19 Q4 – 19 VS Q4 – 18 (MB) (MB) % (MB) % Total Revenue 2,280.7 1,799.1 1,109.5 481.6 26.8 1,171.2

255 million or 1.11 percent in net interest income, derived from rising interest income from investment. KBank maintained key financial ratios at levels consistent with our overall economic performance

percent of the shares of RATCH-Australia Corporation Limited, a subsidiary, held by Broadspectrum Pty Limited and as part of the repayment of the outstanding long-term loans from Broadspectrum Pty Limited

also creating innovative products and comprehensive services in keeping with changing customer expectations regarding financial services, with ever-greater consideration of consumer protection and

, held by Broadspectrum Pty Limited and as part of the repayment of the outstanding long-term loans from Broadspectrum Pty Limited. including related rights under the terms of the agreement for an amount

, BAY, GSB, BAAC, and SCB) had total transactions of 1,650,528 transactions per month, increasing 73.0% YoY. • Lending outstanding amount was Bt93mn (NPL 0.5%). • Number of “Boonterm kiosk” was 130,274

for long-time outstanding receivables in accordance with IFRS 9 (Financial -2- Instruments), which was partly due to the effect of COVID-19 causing the receivables to postpone payment; but when compare

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE UNREVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE FIRST 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 FIRST QUARTER ENDED 31