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

.) growth in private consumption supported by higher household income in both agriculture and non- agriculture sectors along with recovering consumer confidence; 2.) solid performance in the tourism sector

because an increase of export and private consumption, as well as an expansion of government investment. In addition, the domestic tourism sector also improved due to the government continued relaxing

expenses 1,713.7 1,557.6 1,357.0 156.1 10.0 356.7 26.3 Profit for the period 142.7 121.6 117.2 21.1 17.4 25.5 21.8 In Q3-2022, The Thai Economy improved from the previous quarter. This is because the service

automotive customers in Siam Eastern Industrial park and others increased qoq contributing this quarter's net profit (of the Company) to significantly increase by 36% qoq. Regarding measures in response to

forecasts signaling GDP will fall by up to 6% compared to 2019. The export sector has been affected by declining demand from trading-partner countries, while the tourism sector has been severely impaired by

being the continuous recovery of the tourism sector and from January to August, there is an accumulated number of tourist of 17.9 million and expecting to meet the target at 24 million by the end of the

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

than exports value, with value of imports contracted by 4.7% yoy consistent with the subdued domestic economic conditions. In the tourism sector, the number of tourist arrivals for 2019 continued to