baht in year 2018 due to the return of aircraft under wet lease arrangements. Selling Expenses For the first quarter of year 2017 and year 2018, selling expenses were accounted for 7.7 percent and 7.3

return of aircraft under wet lease arrangements. Selling Expenses For the first quarter of year 2017 and year 2018, selling expenses were accounted for 7.7 percent and 7.3 percent of total expenses

% -32.5% -0.8% Efficiency ratio 30-Jun-20 30-Jun-20 30-Jun-19 Return on equity -4.4% -2.8% 0.8% Return on asset 2.4% 2.7% 2.6% Liquidity ratio 30-Jun-20 30-Jun-20 31-Dec-19 Current ratio (time) 0.73 0.80

EBITDA of THB 2,992 million. Performance softened partly as in Q1/2017 and Q4/2017 recorded several non-recurring items, such as interest income from income tax return, gain from selling of asset, and

3 2) J0"+3- 01 1. '(&' )' (Equity and Equity-Linked Instruments) "# 3"# &'R&"# $# !.$ #(* 3 0 "# 1 .. 54 27 1.1 .#I / .# 4 (common stock / preferred stock) 1.1.1 .( SET 50 3."'+3 S(' large

. 5. General Characteristics of the Transaction Transaction Type: Acquisition or Disposal of Assets of Category 2 as classified following the Notification of the Stock Exchange of Thailand Consideration

instruments measured by fair value through profit or loss”. (The cost is compared with the market price (stock price) and when there is unrealized gain / loss from the comparison, it has been booked in the

established under a specific law as a financial institution under the law on interest on loan of the financial institutions. "Exchange" means the Stock Exchange of Thailand. 3 "terms and conditions" means

Baht 2,338.1 million or 5.7% from the end of the year 2019. This includes the treasury stock purchased during the accounting period, valued at Baht 335.4 million. LH Financial Group Public Company

Subject : Notification for Resolution of Board of Director's Meeting No. 8/2019 regarding the Acquisition and Disposition of Assets of the Company Attention: President, The Stock Exchange of Thailand