0.32 31/3/2019 % 31/12/2018 % Inc./(Dec.) % Current Asset 400.11 22,733.52 421.06 16,257.14 (20.95) (4.98) Non-Current Asset 892.18 50,692.05 923.26 35,647.10 (31.08) (3.37) Total Asset 1,292.29

(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

debt recovery and total portfolio and a strong growth of both domestic and overseas subsidiaries. In addition, the Company efficiently managed the funding cost. 2. Financial Status Total Assets As of

insurance on the needs of customers. 4.3 Mutual Fund Selling Agent Service is a selling agent of the unit trusts for many asset management companies, which offer mutual funds of various types from debt

Company’s financial statements, the Company had net income of 1.04 million baht, representing a return on equity at 0.29% lower than the year 2018 having the return on equity at 4.90%. Asset Management As of

proportion of debt is also low level, when comparing to the equity. Return on Equity (ROE) According to the Company’s financial statements, the Company had net income of 30.02 million baht, representing a

at June 30, 2020 December 31, 2019 Current Ratio 6.0 7.7 Debt to Equity Ratio 0.2 0.1 From the change in accounting policy due to the adoption of Financial Reporting Standard No. 16 (TFRS 16), the

14.7 Financial liabilities designated at fair value through profit or loss 4,399,553 1,193,144 3,206,409 268.7 Derivatives liabilities 4,247,533 3,438,329 809,204 23.5 Debt issued and borrowings

Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 472 million and had gain of Baht 190 million. Financial Markets business generated revenue of Baht 110 million during