Management Discussion and Analysis For Fiscal Year 2023 ended February 29, 2024 AEON Thana Sinsap (Thailand) Public Company Limited (“the Company”) has already submitted the consolidated audited the

(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

to reduce greenhouse gas emissions to Zero CO2 Society as follows; 8 • 35% reduction within the year 2030 • Zero CO2 by the year 2050 The Company has implemented environmental development through

1 -Translation- No.ECF2 004/2018 24 January 2018 Subject: Change in Shareholding Structure of the Planet Board Company Limited, a Subsidiary Company of the Company (additional) To: President The

2018 and continued to run the marketing campaign. Thus, the Company provides more channels to facilitate financial services to customers and reduce Company’s operation cost. After the Cardless withdrawal

to refinance existing bank loan to reduce finance cost. The Management expected the Bond to be offered to investor within August 2017.  EGM approved par split from 5 Baht to 1 Baht and the Company

Management Discussion and Analysis For the 3rd Quarter 2023 ended November 30, 2023 AEON Thana Sinsap (Thailand) Public Company Limited (“the Company”) has already submitted the consolidated reviewed

borrowing, represented 68% of total borrowing as well as reduce interest rate paid to ATS Rabbit Special Purpose Vehicle Company Limited from 4% to 2.84%. As a result, the weighted average funding cost in the

Malee Group Public Company Limited and Its Subsidiaries Management Discussion and Analysis For the First Quarter ended 31 March 2020 1. Q1/2020 Highlights Figure 1: Quarterly results  In Q1/2020