as follows: LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2017 Page 3/22 Certified Companies of Thailand's Private Sector

Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2017 Page 3/22 Certified Companies of Thailand's Private Sector Collective Action Coalition

2.7 million or 7.5% when compared to the same period of prior year. It mainly decreased by the customers of Government and State enterprise sector. 2.4 Revenue from Maintenance Service for this quarter

69 52 17 33% 199 160 39 24% Administrative expenses 29 29 0 1% 113 88 25 28% Profit (loss) 181 157 24 15% 328 306 22 7% Profit (loss) attributable to Equity holders of the Company 187 158 29 18% 336

% compared to that of the previous year amounting to Baht 471 million. It was due to projects from government sector continued to slow from the previous year. Smart service business The Company had revenue

economy has moved on a positive trajectory and has followed a similar pattern to the previous quarter of last year. Since the second half of 2017 growth has been driven by the manufacturing sector, which

sale of real estate decreased by THB 498.48 million or 33.19% This is because the slowdown of real estate business sector resulted from Loan to Value regulation or “LTV”. Moreover, the household debt has

the board’s efficiency. In addition, SET is committed to promotingthe “diversity, equity, and inclusion” philosophy, which encourages everyone to be treated equally, and drives every sector toward

Certified Companies of Thailand's Private Sector Collective Action Coalition Against Corruption LH Financial Group Public Company Limited, Land and Houses Bank Public Company Limited and Land and Houses Fund

announced in many countries, severely impacting both the tourism service sector and related businesses. Meanwhile, merchandise exports shrank as the global demand weakened due to lockdown measures and supply