assets of the Company, calculated from the reviewed interim consolidated financial statements of the Company for the six-month period ended June 30, 2018. The Company has a duty to disclose the information

(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

(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

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

2019 2018 (%) Personnel expenses 6,670 6,676 6,529 (0.1)% 2.2% 19,908 19,662 1.3% Directors’ remuneration 22 54 21 (59.3)% 4.8% 111 101 9.9% Premises and equipment expenses 2,441 3,147 2,254 (22.4)% 8.3

staff and workers in order to accommodate equipment, machinery of the Company for completed works to ensure that they are taken care of, improved and repaired for further usage in next projects, and to

structures, buildings, camps for staff and workers in order to accommodate equipment, machinery of the Company for completed works to ensure that they are taken care of, improved and repaired for further usage

lower transfers of condominium units, and decline in hotel revenue based on market conditions. Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Consolidated Financial

, 2016 is shown below: Consolidated Financial Statement (Million Baht) Year Change Increase (Decrease) 2017 2016 Amount % Assets Current Assets 39,543 19,998 19,545 97.73% Investments in joint ventures and