(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

Feb 23, 2018 Subject: Management Discussion and Analysis for Year Ended December 31, 2017 To: Listing Department, Stock Exchange of Thailand Patkol Public Company Limited : Management Discussion and

OHTL Public Co., Ltd. and its subsidiaries Management Discussion and Analysis for Three-Month Period Ended 31 December 2017 (Unit: Thousand Baht) 2017 2016 Increased/(Decreased) % Occupancy 52.2

1 G J Steel Public Limited Management’s Discussion and Analysis (MD&A) for year 2018 Unit: million Baht Year 2018 Year 2017 Pe rfo rm an ce Revenues 29,910 15,178 Sales Volume (k tons) 1,447 812

G J Steel Public Limited Management’s Discussion and Analysis (MD&A) for year 2018 (Revised) Unit: million Baht Year 2018 Year 2017 Pe rf or m an ce Revenues 29,910 15,178 Sales Volume (k tons) 1,447

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

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

& ANALYSIS CONSOLIDATED P&L SNAPSHOT THB (mn) 2017/18 2018/19 YoY (%) PERFORMANCE ANALYSIS (2018/19 vs 2017/18) REVENUE BREAKDOWN (THB mn) % Contribution to total revenue THB (mn) 2017/18 2018/19 YoY (%) 2017

EXPANSION OF PAYMENT SERVICES  VGI PUBLIC COMPANY LIMITED Rabbit card  Rabbit LinePay  3) LOGISTICS – ENHANCING KERRY’S DELIVERY SERVICES ACROSS BTS STATIONS 1Q 2019/20 SNAPSHOT & ANALYSIS CONSOLIDATED P&L

1 | MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR 2020 Management Discussion and Analysis for the Year 2020 1 March 2021 In the 3-month period of Q4-2020, UWC reported gross margin of THB 28.04