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

(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

, increasing by Bt855.1 million from December 31, 2018 or 13.6%. These comprise of;- BAFS - Long-term loans was of Bt1,848.2 million due on April 30, 2026 with 3 years grace period and quarterly, principal

last year the Group recorded extraordinary items of approximately Bt76.4 million which were :- 1) FPT received both principal and interest compensation according to the damaged in its fuel pipeline at

%. These comprise of;- BAFS - Long-term loans from TMB was of Bt1,928.6 million due on April 30, 2026 with 3 years grace period and quarterly, principal repayment: Bt80.4 million/period (the last repayment

Japan Institute of Plant Maintenance (JIPM) which is a well-known and accepted institution in Japan. GPSC managed to be the first company in Thailand to receive this award, where TPM Excellence Award

registered with Thailand Greenhouse Gas Management Organization (Public Organization) or the reviewer the Company regards as having work widely accepted according to international standards. The Board of

regards as having work widely accepted according to international standards. The Board of Directors’ policy framework in this matter shall also be disclosed to reflect the Board’s determination to mitigate