market volatility. Summary of Performance of the Bank and subsidiaries Percentage 3Q18 9M18 1Q19 2Q19 3Q19 9M19 Loan growth 3.5 14.1 1.9 0.2 2.0 4.2 NPLs/ Total loans (excluding interbank) 4.2 4.2 4.1 4.2

Performance of the Bank and subsidiaries Percentage 3Q18 9M18 1Q19 2Q19 3Q19 9M19 Loan growth 3.5 14.1 1.9 0.2 2.0 4.2 NPLs/ Total loans (excluding interbank) 4.2 4.2 4.1 4.2 4.2 4.2 Total loan loss reserve

Percentage of loan classfication by business type LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter Ended 31 March 2021 Page 14/19 Table: Total Liabilities and

931.9 1,274.7 Domestic 596.2 743.1 International 335.7 531.6 Passenger Load Factor Percentage 62.1 74.6 Domestic 69.7 80.6 International 51.9 67.6 Number of scheduled passengers carried Thousand 1,324.1

construction under a concession arrangement in accordance with percentage of completion of the fair value of assets. The Group’s management also recognized cost of construction under a concession arrangement at

of money and percentage of net asset value by using quarterly averaged net asset value; - analysis and explanation of REIT manager on operation and financial status of REIT of the previous year

fee as a percentage of core service revenue was 3.9%. • Depreciation & amortization was at Bt14,738mn, increasing 15% YoY due to consolidation of right-of- use assets from TTTBB’s acquisition. While

. The regulatory fee as a percentage of core service revenue was 3.9%. • Depreciation & amortization was at Bt14,738mn, increasing 15% YoY due to consolidation of right-of- use assets from TTTBB’s

Pacific Economic Cooperation : APEC) ที่ลงนามร่วมกันใน Memorandum of Cooperation on the Establishment and Implementation of the Asia Region Funds Passport “การจัดอันดับความน่าเชื่อถือ” หมายความว่า การจัด

กบัดูแลของประเทศในภูมิภาคเอเชียภายใตก้รอบเอเปค (Asia Pacific Economic Cooperation : APEC) ท่ีลงนามร่วมกนัใน Memorandum of Cooperation on the Establishment and Implementation of the Asia Region Funds