(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

AIM 1 Ref.: EFORL IR 043/2018 November 14, 2018 Subject: Management Discussion and Analysis for the third quarter of 2018 (Q3/2018) and for nine month periods ended September 30, 2018 To President

-1- AIT (VP-SEC) 014E/2023 May 8, 2023 Subject: Management's Discussion and Analysis of Operating Results for Q1-2023 To: The President of the Stock Exchange of Thailand Summary of Operations Q1-2023

Ref: UWC 025/2562 November 13, 2019 Subject: Management Discussion and Analysis 3rd Quarter ended September 30, 2019 To: President The Stock Exchange of Thailand Ua Withya Public Company Limited

SAAM Energy Development Public Company Limited - 1 - 9 August 2019 Subject: Management Discussion and Analysis for the period ended 30 June 2019 To: The President The Stock Exchange of Thailand SAAM

and Analysis for the three-month period ended 30 Jun. 2018 To : Director and the President The Stock Exchange of Thailand Summary of the Company’s Financial Position and Operating Result for the 3 and 6

Tarsit, Amohoe Pluag-daeng, Rayong Branch 2 / 38 Moo. Tambon Tarsit, Amohoe Pluag-daeng, Rayong KWM 001/2561 September 28th, 2018 Subject : Management Discussion and Analysis for the quarter ended June 30

and Analysis for the three-month period ended 30 Sep. 2018 To : Director and the President The Stock Exchange of Thailand Summary of the Company’s Financial Position and Operating Result for the 3 and 9

SAAM Energy Development Public Company Limited - 1 - 7 November 2019 Subject: Management Discussion and Analysis for the period ended 30 September 2019 To: The President The Stock Exchange of