: 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
follows: 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
shareholders structure is as follows: LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2019 Page 3/22 Thailand's Private Sector Collective
Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 2.4 Cyber Risk Management 6
increase of number of Thai and foreign tourists. As a result, the service sector and private consumption have expanded. Private investment has improved while Public expenditure shrink from regular government
. 3. ALP FPI PARTS PRIVATE LIMITED. the Company holds 45% as a joint venture. The Company recognized profit from investment in joint venture of Baht 2.5 million during this period. Nevertheless, during
a contraction in overall vehicle sales. Other personal loans and credit card loans decreased in tandem with a decline in private consumption growth. Looking forward, financial institutions expect
travel restrictions which affect the number of both Thai and foreign tourists. At the same time private consumption is in a declining trend due to the freeze in economic activity, while the purchasing