(THIS REPORT DISCUSSES THE PRINCIPAL CHANGES IN THE UNREVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER

. The transaction does not affect the Company’s cash flow. • The Company recognized selling & administrative expense related to the settlement of financial instruments, which are non-recurring, amount THB

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

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

. The transaction does not affect the Company’s cash flow. • The Company recognized selling & administrative expense related to the settlement of financial instruments, which are non-recurring, amount THB

loan-related services in accordance with the TFRS 9. Operating expenses were similar to the first half of 2019, and the cost to income ratio was 45.0 percent. The Bank continues to take a well

(THIS REPORT DISCUSSES THE PRINCIPAL CHANGES IN THE REVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED

. The SEC, Thailand cannot undertake any responsibility for its accuracy, nor be held liable for any loss or damages arising from or related to its use. ------------------------------ Notification of the

market transactions related to foreign currency. 3 Chapter 2 Language Used in Submission of Information or Document __________________ Clause 5 The submission of information or document to the SEC Office

รายงานของ 1) ก าไรขาดทุนเบ็ดเสร็จอ่ืน และ 2) รายการอ่ืนของการเปลี่ยนแปลงที่เกิดจากเจ้าของ (Other changes from owners) เช่น ส่วนเกินทุน จากการจ่ายโดยใช้หุ้นเป็นเกณฑ์ ส่วนเกิน (ต่ า) จากการรวมธุรกิจภายใต้การ