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

Malee Group Public Company Limited and Its Subsidiaries Management Discussion and Analysis For the Third Quarter and Nine-Month Period Ended 30 September 2018 1. Q3/2018 Highlights Figure 1

(212.3) (101.7) Less: Dividend income 294.8 160.0 134.8 84.3 577.3 418.6 158.8 37.9 Interest received 28.5 31.5 (3.0) (9.6) 77.8 91.2 (13.4) (14.7) 9 ASIA’S BOUTIQUE AIRLINE July-September January

at Suvarnabhumi airport, together with new airline customers they engaged during the period. Besides, the increasing of revenue was from dividend received and gain on sale of assets. While, total

Management Discussion and Analysis For the first quarter ended March 31, 2021 (Unreviewed) Kiatnakin Phatra Bank Public Company Limited Investor Relations Email: investor_relations@kkpfg.com Tel. +66

Quarter3/2019 Differentiate Million THB % Million THB % Million THB % Revenues Revenues from sales of real estate 3,224.7 79.9 3,153.6 86.9 ( 71.1 ) (2.2) Revenues from project management 433.7 10.7 358.4

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2020 (Unreviewed) Kiatnakin Phatra Bank Public Company Limited Investor Relations Email: investor_relations

-issued shares to specific persons (Private Placement). The Company will further inform via the SET system. 2) Right adjustment as a result of dividend payment in the amount of money exceeding 80 percent of

(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