September 30, 2019 To The President The Stock Exchange of Thailand Management’s Discussion and Analysis Consolidated Financial Statements For nine months ended September 30, 2019 Overall Group Performance

(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

sector’s growth slowed down and private investment slightly dropped. However, private consumption continued to hold up, partly due to improvements in non-farm income and government measures to support low

(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

ENDED JUNE 30, 2017 1. Analysis of operation results for the second quarter of 2017 in comparison with those for the same quarter of 2016 (from the consolidated financial statements) Items Second quarter

Company”) reported consolidated revenues of Baht 493.5 million, decreased by 1.1% compared to the same quarter last year. Total sale was Baht 495.2 million, decreased by 0.1%. The contributions were from

ENDED JUNE 30, 2018 1. Analysis of operation results for the second quar ter of 2018 in compar ison with those for the same quar ter of 2017 (from the consolidated financial statements) Items Second

Company”) would like to submit the Management Discussion and Analysis of the Company’s operation for the three-month period ended 30 June, 2020 with details as follows: Unit: Million Baht Consolidated

the Period Ended December 31, 2018 Business Overview In 2018, Ocean Glass Public Company Limited and its subsidiaries (“the Company”) reported consolidated revenues of Baht 2,031.10 million, decreased

Company Limited (“the Company”) would like to clarify the consolidated financial statements of the Company for the 3rd quarter of fiscal year 2018 ended as of September 30, 2018, which can be summarized as