(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

expectation, Not only exporting business but Travelling business also have trend to growing less than expected and moreover Thai foreign exchange rate of the Baht was appreciate that cause Financial

Governance Project" of the Securities and Exchange Commission (SEC). An English version of the MD&A has been prepared from the Thai version. In the event of a conflict or a difference in interpretation between

cost of sales was mainly due to the decrease of cost of sales in the mobile business and the reduction of rental cost in the rental area business. This is a result of the implementation of the Thai

UNOFFICIAL TRANSLATION Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference. The SEC, Thailand can neither undertake

of 100% acquisition of Ordinary Shares of Suburb Estate Company Limited Agenda 3 To approve of ratification of 100% acquisition of Ordinary Shares of Thai Bonnet Trading Zone Company Agenda 4 To

of the decrease in outstanding balance of long-term loans from principal loan repayment. On the other hand, the finance costs increased by Baht 49 million or 65% from Q3/2017. This was mainly due to

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

(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