1 --Translation-- Sor Gor 113/2017 November 9, 2017 Subject: Management Discussion and Analysis for the third quarter ended September 30, 2017 (Reviewed) To: The President The Stock Exchange of

the Financial Business Group, LH Financial Group Public Company Limited Thailand's Private Sector Collective Action Coalition Against Corruption Certificate LH Financial Group Public Company Limited

consumption, private investment and public spending. Under these circumstances, Thai economic growth in the first quarter of 2018 may be almost on par with the level seen in the final quarter of last year

into Material Transactions Deemed as Acquisition or Disposal of Assets, and the Notification of the Board of Governors of the Stock Exchange of Thailand, Re: Disclosure of Information and Other Acts of

securities of Glow Energy Public Company Limited, and the scheduling of Extraordinary General Meeting of Shareholders No. 1/2018 Attention: President Stock Exchange of Thailand Enclosure: Information

Phatra Securities. The stock symbol for Kiatnakin Phatra Bank Public Company Limited will remain the same as KKP. Previous Name New Name Kiatnakin Bank Public Company Limited Kiatnakin Phatra Bank Public

: Rules on Entering into Material Transactions Deemed as Acquisition or Disposal of Assets dated 31 August 2008, and the Notification of the Board of Governors of the Stock Exchange of Thailand Re

of 2019. Exports, tourism and private investment – among major economic activities – were hampered by the worse-than-expected global economic slowdown. Meanwhile, consumers’ purchasing power weakened

usage such as increasing the number of banks transfer, bill payments for both public and private agencies, accumulation of savings into the National Savings Fund, purchase folk songs as well as voting for

under the Innovation Development Program to Support Provision of Capital Market Services [regulatory sandbox]. “fee” means a fee for undertaking business according to license; “Exchange” means the Stock