of 2021 also decreases compared to the first quarter of 2020, due to the power purchase agreement of Municipal Solid Waste Power Plant in Krabi, which started its commercial operation since late

of 2.5 billion baht from the total amount of 5 billion baht from Government Saving Bank in Thailand. This is not only potentially decreases our funding costs but also stabilized company financial

at December 31, 2020, which equals to 2,925.2 MB, such an increase came from the profit from operations for the first six months of 2021 which decreases the annual dividend payment in Q2–2021

facilities in the amount of 2.5 billion baht from Government Saving Bank in Thailand. This is not only potentially decreases our funding costs but also stabilized company financial conditions. 2 Summary of

dividend payment in Q2– 2022, which decreases the profit from operations for the first six months of 2022 Sincerely yours, (Ms. Sarin Chandranipapongse) Company Secretary Authorized signature on behalf of

a decrease of 2.1% due to the annual dividend payment in Q2-2022 and the interim dividend payment in Q3-2022 which decreases the profit from operations in nine-months 2022. Sincerely yours, (Ms. Sarin

improvement was driven by decreases in administrative expenses and finance cost. In 2Q20, the Company reported EBITDA from Hotel Business of THB -257 million, decreased by 684.1% YoY and in 6M20 of THB -68

the fourth quarter of 2018 amounted to Baht 10,651 million, a decrease of Baht 670 million or 5.9 percent from the third quarter of 2018, due mainly to the decreases of Baht 1,246 million in gains on

interest income from loans in line with decreases in transaction volume and yield following the announcements on the cut in loan rates in the second half of 2019. Interest expenses rose by Baht 436 million

second quarter of 2016. The decreases were the result of net non-interest income 64.9%. 1. COMMERCIAL BANKING BUSINESS LH Financial Group Public Company Limited Management Discussion and Analysis for the