& Calpis grew 2.7% YoY. Total Personal care continued its momentum with 11.5% growth YoY, with 42.8% growth in CLM markets. International business grew 1.5% at constant FX rate, driven by Myanmar growth

MARCH 2021 LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter Ended 31 March 2021 Page 2/19 Overview of Business Operation LH Financial Group Public Company

QUARTER ENDED 30 JUNE 2017 LH Financial Group Public Company Limited Management Discussion and Analysis for the Second Quarter ended 30 June 2017 Page 2/22 Overview of Business Operation LH Financial Group

QUARTER ENDED 30 JUNE 2017 LH Financial Group Public Company Limited Management Discussion and Analysis for the Second Quarter ended 30 June 2017 Page 2/23 Overview of Business Operation LH Financial Group

representation or warranty of any type whatsoever on the accuracy or completeness of the information contained herein. หนา้ 1 1. Executive Summary The overall business operation of the company in 2019 is

QUARTER ENDED 30 SEPTEMBER 2017 LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2017 Page 2/22 Overview of Business Operation LH

SEPTEMBER 2017 LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2017 Page 2/22 Overview of Business Operation LH Financial Group Public

of the fiscal year of 2022, the Company has total sales (turnover) increase by 23.4% y-y, with the focus on credit card business, as a result of new product launching in accordance to the

decreased by 8.3%, with 14.0% decrease in automotive parts businesses and 8.0% increase in dealership businesses. The decrease in overall revenue was due to the following reasons: 1) Automotive Parts Business

net profit* margin of 13.7%, +110 bps YoY. Our strategies are to focus on core products and defend profit through supply chain, operation costs and expenses control, such that A&P have been cut or