Products to Capture Changing Consumers Demands In Q2/2022, the Company has continued to launch new and unique products, both by developing new differentiated products with business partners such as the

government began to open the country for more foreign tourists to travel into the country. As a result, in the past 5 months, the Company's income from foreign tourists has increased significantly. The

QUARTER ENDED 30 SEPTEMBER 2017 LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2017 Page 2/22 Overview of Business Operation LH

SEPTEMBER 2017 LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2017 Page 2/22 Overview of Business Operation LH Financial Group Public

fiscal year 2023, the Company has total new sales and credit card spending increased by 4% y-y, mainly due to the continual increase in credit card spending and marketing with business partners. However

, as well as the outstanding credit card balances, despite an increase in credit card spending. Nonetheless, macroeconomic factors and government stimulus measures remain influential, particularly the

Statements 4.1 BAM’s Business Opportunity Thai GDP will shrink by 8- 10% given the COVID- 19 outbreak in the first half of 2020. The government has launched several measures including the Emergency Decree on

Change of Details Concerning the Entire Business Transfer of Unicorn Enterprise Company Limited, Capital Increase, Issuance and Allocation of U-W3 and U-W4 Warrants, and Issuance and Offering of Newly

31 MARCH 2019 LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter ended 31 March 2019 Page 2/19 Overview of Business Operation LH Financial Group Public

MARCH 2019 LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter ended 31 March 2019 Page 2/19 Overview of Business Operation LH Financial Group Public Company