exchange rate of receivable under finance lease agreement, gain(loss) on forward contracts, insurance claim and gain from business acquisition. Change QoQ Consolidated financial statements Change YoY 2

financial flexibility to lead, compete, and pursue growth prospect in any changing circumstances. The dividend payment shall still be made twice a year and is based on consolidated earnings and subjected to

that we have the financial flexibility to lead, compete, and pursue growth prospects in any changing circumstances. The dividend payment shall still be made twice a year and is based on consolidated

consolidated financials due to holding segment 230 212 389 185 350 328 348 445 724 775 1,004 1,441 11% 12% 13% 11% 12% 14% -10% -5% 0% 5% 10% 15% - 500 1,000 1,500 2,000 2,500 3,000 2559 2560 2561 2562 2564 Asia

14th March 2019 (the first day that GPSC has recognize GLOW’s performance in the consolidated financial statement) to reflects the company's true earnings from its normal operations. In Q4/2019, such

clearly specified in the commitment, and the specified procedures are practical and fair to all unitholders of the relevant open-end fund. Conditions shall be one or more of the following: (1) It is

or 16.5 percent in net investments (including net investments in associates). Capital Reserves and Capital Adequacy Ratio Consolidated Million Baht Item Capital Capital Adequacy Ratio March 2018

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE AUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER

หนดช าระภายในหนึง่ปีจากการลงทนุของ บรษัิทฯ Consolidated 2561 2560 อัตราสว่นสภาพคลอ่ง (เทา่) 0.76 0.91 อัตราสว่นหนีส้นิทีม่ภีาระ ดอกเบีย้จ่ายตอ่สว่นของผูถ้อื หุน้ (เทา่) 2.09 1.13 อตัราสว่นภาระหนีส้นิตอ่

(THIS REPORT DISCUSSES PRINCIPAL CHANGES IN THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER