13.70 12.58 13.03 13.36 13.58 Tier 1 capital 13.70 12.58 13.03 13.36 13.58 Total capital 18.16 16.64 16.77 17.38 17.14 3 Consolidated data as of end of 2Q20 only, 3Q20 information will be disclosed with

. Performance Evaluation of Corporate Governance Thai Institute of Directors Association (IOD) disclosed the 2019 Corporate Governance evaluation result of Thai listed companies, LH Financial Group Public Company

Quarter ended 30 September 2019 Page 4/22 Performance Evaluation of Corporate Governance The Thai Institute of Directors Association (IOD) disclosed the result of 2018 Corporate Governance evaluation of

, which might be different than the initial and disclosed plan. The Company’s decision is based on the assumption of an optimal payback period under current and potential circumstances in the future

concealing material facts which should have been stated in any documents which shall be disclosed to the public or submitted to the Securities and Exchange Commission, the Capital Market Supervisory Board or

Companies, mutatis mutandis; (5) information is fully disclosed in the registration statement. (6) meets the criteria in Clause 19(1) and (2) and Clause 24, mutatis mutandis. (7) not having characteristics as

material facts that should have been stated in any documents subject to be disclosed to the public or filed with the Securities and Exchange Commission, the Capital Market Supervisory Board or the SEC Office

INDEPENDENT AUDIT INSPECTION ACTIVITIES REPORT 2020 SECURITIES AND EXCHANGE COMMISSION, THAILAND Contents Executive Summary 01 04 08 15 28 58 62 70 47 Quality Assurance Review Panel Activities for Enhancing Financial Reporting Quality Summary of Audit Inspection Results A. Firm-Level B. Engagement-Level Root Cause Analysis Framework and Focuses in 2021 Essential Statistics Auditing Landscape in Thailand Executive Summary Over the past year, the Thai capital market experienced tremendous volatili...

% 37% Income tax expenses (47) (66) (90) 36% 91% Profit before FX & extraordinary items 764 786 1,074 37% 41% Net foreign exchange gains (losses) 1 1 (21) n/a n/a Legal reserved - - - n/a n/a Net profit

of associates and joint ventures 89 111 110 (1%) 24% 175 221 26% Income tax expenses (69) (47) (63) 34% (9%) (95) (110) 16% Profit before FX & extraordinary items 705 764 861 13% 22% 1,611 1,624 1% Net