2019 LH Financial Group Public Company Limited Management Discussion and Analysis for the year ended 31 December 2019 Page 2/22 Overview of Business Operation LH Financial Group Public Company Limited is

of digital technology, which has shaped a new trend of consumption amid intensified borderless business competition via digital channel. To brace for these numerous challenges, KBank prioritizes the

ENDED 30 SEPTEMBER 2019 LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2019 Page 2/22 Overview of Business Operation LH Financial

30 SEPTEMBER 2019 LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2019 Page 2/22 Overview of Business Operation LH Financial Group

คงเป็นไปตามหลักการตามกฎเกณฑ์ของสำนักงาน นอกจากนี้ ในปี 2561 ประเทศไทยได้มีการวางโครงสร้างพื้นฐานในการพัฒนาระบบการพิสูจน์ และยืนยันตัวตนทาง digital (Digital ID) ขึ้น ซึ่งจะเป็นระบบที่ช่วยให้ขั้นตอนการ

strong across-the-board growth. The business sector remained challenged by new modes of competition amid the advancing digital age and the rapid pace of technological advancement, together with the

and business opportunities in each individual sector and area across all industries. In parallel, we focused on the development of technological solutions with the aim of becoming “Customers’ Life

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

acquired the business of the private company to itself pursuant to Section 107 (2) (b) of the Public Limited Companies Act B.E. 2535 (1991) (as amended), prescribing that the acquisition of the business of