shareholders structure as follows: LH Financial Group Public Company Limited Management Discussion and Analysis for the Second Quarter ended 30 June 2019 Page 3/21 Thailand's Private Sector Collective Action
tourism sector has grown at a slower rate in response to the weakening global economy and the stronger Baht. In addition, private consumption grew at a slower pace and private investment shrank as a result
Quarter ended 30 September 2020 Page 3/19 Thailand's Private Sector Collective Action Coalition Against Corruption Certificate LH Financial Group Public Company Limited, Land and Houses Bank Public Company
. Private consumption has tended to slow down due to lower income and employment rate, especially in the export sector. In addition, consumers' purchasing power is still affected by high household debt and
, public spending and tourism sector still expanded which resulted from low base in the previous year. (Source: BOT Press Release No.64/2019 on the Economic and Monetary Conditions for September and the
inflationary situation of the country's economy, causing the consumer purchasing power to decrease, together with the concerns of users about future inflation. As a result, users were more cautious in their
average user spending on digital content services as Thailand's sluggish economy has mainly reduced consumer purchasing power causing service users to become more cautious about their spending. In addition
that the Company provided for clients in mobile operator sector. In addition, gross profit from digital so- lutions was THB 13.42 million, increased by THB 7.77 million or +137.65% YoY. The gross profit
the management company has held the share of such person (c.3) Person in which the director, the manager or the person with power of management of the management company who has held shares exceeding