(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 PRINCIPAL CHANGES TO THE UNREVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED

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

(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

Reserves and Capital Adequacy Ratio Consolidated Million Baht Item Capital Capital Adequacy Ratio September 2019 June 2019 December 2018 September 2019 June 2019 December 2018 Total capital 487,730 434,708

subject to the Company’s net tangible assets (NTA), greater than THB 20,000,000 and greater than 3 percent of the Company’s net tangible assets pursuant to consolidated financial statement for the period

assets pursuant to consolidated financial statement for the period ended March 31, 2018. Therefore, the Company must obligate subject to the Notification of Connected Transactions by disclose information

percent subject to the Company’s net tangible assets (NTA), greater than THB 20,000,000 and greater than 3 percent of the Company’s net tangible assets pursuant to consolidated financial statement for the

size of 233.7 percent of the Company’s net tangible assets (NTA), exceeding THB 20,000,000, and more than 3 percent of the Company’s NTA value according to the consolidated Audited Financial Statement of