months, end of September 30, 2019 Financial Statement Consolidate financial statement % revenue from sales Q3/2019 Q3/2018 increase(decrease) Q3/2019 Q3/2018 Revenues from sales 159.78 140.51 19.27 13.71

After Strategic Spending 60 191 (1,858) Net financial costs3 (40) (73) (75) Dividends and PERP interest (9) (39) (7) Proceed from perpetual debentures - 0 22 (Increase)/Decrease in Net Debt on cash basis2

liabilities under rehabilitation plan (3) (13) (304%) Repayment of liabilities under the process of debt restructuring - (922) (100%) Proceeds (Repayment) from loans from financial institution - (27) (100

/decrease in net debt as per statement of financial position might be different. 13 Table 7: Debt Profile USD in Mill ions 2Q17 2016 Total Debt 3,140 2,850 Bank overdraft and short-term loans 330 257 Long

Loan to Value regulation or “LTV”. Moreover, the household debt has been steadily increased in recent years which result to the strict in granting a loan to the borrower from many financial institutions

regulation or “LTV” since 2019. Moreover, the household debt has been steadily increased in recent years which result to the strict in granting a loan to the borrower from many financial institutions. As well

for the first quarter ended March 31, 2020 Attention The President The Stock Exchange of Thailand Attachment Report and interim financial statement for the first quarter ended March 31, 2020 Firetrade

, the financial highlight report, the financial covenants and the report on the use of proceeds from debt securities offering.  *** Daily Net Capital Report (Form Dor Jor. 1), Daily Net Capital Report

(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 THIRD

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE REVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED 30