/ Impact from the adoption of Thai Financial Reporting Standards 16 Leases (TFRS 16) since 1 January 2020 which caused higher depreciation and interest expenses (net after tax). Operating Highlights Q1/2019

Management Discussion and Analysis 1 Ref: AC.017/2020 18 May 2020 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange

economic slowdown. Causing, the Thai government declared the Emergency Decree. With measures prohibiting aircraft, vessel, motor vehicles, or any other types of conveyance, or using transportation routes

relevant government agencies or relevant authorities, e.g. governments and relevant authorities in various countries, the Office of the Securities and Exchange Commission, the SET, financial institutions

-2495-1366 Website: www.kiatnakin.co.th http://www.kiatnakin.co.th/ 2 Management Discussion and Analysis (MD&A) For the first quarter ended March 31, 2020 comparing operating performance and financial

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

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

Government as well as the Cabinet enforced the measurement “Holiday Shopping” at the end of Year shall create positive atmosphere in spending money for retail business much more than normal time; and shall be

East Coast Furnitech Public Company Limited (“ the Company” ) would like to report on Management Discussion and Analysis from the Separate and Consolidated Financial Statements of the 2nd quarter and 6

specific law, the Industrial Finance Corporation of Thailand, a finance company or credit foncier company; (c) a treasury bill, Government bond, state enterprise bond, Bank of Thailand bond, Financial