(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 SECOND

(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

, which had high gross profit margin, was completed in 2016. Retail business In 2017, the Company has gross profit of Baht 923 million, which is increased by Baht 208 million or 29% compared to the gross

64 million. In addition, the company has continued its plan to proceed on the debts restructuring with aim to strengthen the financial status, reduce the burden of interest payment and improve

1 August 17, 2018 Subject: Capital Increase for Offering for Sale to Specific Investors (Private Placement), Connected Transaction, Amendments to Articles of Association/Objectives of the Company and

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

business has low gross profit margin, to build up more sales revenue will result in good net profit. Sales revenue The Company had total sales revenue of Baht 969.4 million in Q1/2018, decreased Baht 102.6

business has low gross profit margin, to build up more sales revenue will result in good net profit. Sales revenue The Company had total sales revenue of Baht 3,660.4 million in 2018, decreased Baht 67.1

. Due to this business has low gross profit margin, to build up more sales revenue will result in good net profit. Sales revenue The Company had total sales revenue of Baht 948.70 million in Q2/2017