(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE AUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER

V2 08/11/60 16:47 น. 0 V2 08/11/60 16:47 น. 1 Management Discussion and Analysis Overview of the Economy and Banking Thai Economy in the Third Quarter of 2017 The Thai economy in the third quarter of

V3 22/08/62 0 V3 22/08/62 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in the Second Quarter of 2019 The Thai economy in the second quarter of 2019

(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

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER

accountant, however the information has been sent to the Company’s accountant in order to consolidate the consolidated financial statements. Shareholding Structure of SUTGH Prior to The Investment Disposal

55.8% stake of the Galoc petroleum field, leading the company group to record an impairment loss in Galoc oil field asset in the consolidated financial statement at THB 412 million, and record an

Thai language version is the definitive and official document of the Tender Offeror and shall prevail in all respects in the event of any inconsistency with this English language translation.” Amendment

on the Stock Exchange of Thailand’s Thailand Sustainability Index (SETTHSI Index) while the Company’s corporate governance practice is also in line with 5-stars ranking Performance Summary Consolidated