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E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending June 30, 2019 The Thai economy faced increased headwinds in the second quarter
US-China trade war and Brexit. These two factors contributed to risk-off sentiment in financial markets. Investors therefore increased their holding of safe-haven assets. This led to greater capital
to a stronger growth of trading partners’ economy, and in terms of prices on the back of rising global crude oil price. Tourism sector continued to expand, private consumption gradually increased
the capital increase to increased the capital in the Land and Houses Bank Public Company Limited. Consequently, the bank's capital base on July 31, 2017 more than double or equal Baht 39,475.17 million
sector, supporting by the Chinese tourists reverted to the level of pre-illegitimate tour operator crackdown. Private consumption continually increased as supported by LH Financial Group Public Company
, particularly from large corporate and SME. However, the commercial banks remained cautious in lending as the loan quality continued to deteriorate especially SME loan. Overall NPL ratio increased marginally from
export-oriented industries together with supports from the continuous progresses in public infrastructure investment. Meanwhile, public expenditure increased at a slower pace partly, partly because some