MDA Q3_2019 (Eng ) November 8, 2019 Subject : Interim Management Discussion and Analysis of Q3/2019 Attention : President of The Stock Exchange of Thailand We attach herewith the financial statements

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE REVIEWED AND AUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE SECOND

1 of 8 Management Discussion and Analysis, for the quarter 2/2018 • The analysis of operating results for the six-month period ended of June 30, 2018 • The analysis of operating results for the three

Management service income 56.03 59.50 (3.47) (5.8) Interest income and dividend income 55.28 32.09 23.19 72.3 Other incomes 41.89 20.49 21.40 104.4 Total revenues 4,043.99 3,440.35 603.64 17.5 Cost of sales

AIM 1 Ref.: EFORL039/2017 November 14, 2017 Subject: Management Discussion and Analysis for the third quarter of 2017 (Q3/2017) and for nine month periods ended September 30, 2017 To President The

to103.35mb (1H 2019: 48.94mb). Other Income: Other income increased by 3.12mb to 9.29mb or 50.6% (1H 2019: 6.17mb). We reported increase in dividend income from our investment portfolio and increase in

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

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE REVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED 30

margin of 51% from revenue growth, lower pressure in utility cost, as well as efficient cost management in marketing expenses. AIS reported a net profit of Bt8,146mn, increasing 35% YoY and increasing 14

THB 0.012 per share to shareholders named at book closing on 23 August 2019 (Record Date). The payment date of the interim dividend will be on 6 September 2019. MANAGEMENT DISCUSSION & ANALYSIS 2Q 2019