wave of COVID-19, as well as expanding food delivery service points to have higher area coverage • Focusing on increasing pop-up stores instead of establishing new dessert café branch as it requires
expansion strategy is to have nationwide service points for expanding its customer base. LH Financial Group Public Company Limited Management Discussion and Analysis for the Second Quarter ended 30 June 2017
nationwide service points for expanding its customer base. Products and Services Land and Houses Bank Public Company Limited has continuously developed for the financial products and services to meet the needs
in budget disbursement. As the momentum from the above mentions, the Thai economy in 2018 was expected to continue expanding which the Bank of Thailand revised up the growth forecast to 4.4 percent (as
. Additionally, this can be expanding services to connect Bangkok with well- known cities in Laos. As a result, the Company has total Codeshare partners of 26 airlines which contributed revenue from Codeshare and
. Additionally, this can be expanding services to connect Bangkok with well- known cities in Laos. As a result, the Company has total Codeshare partners of 26 airlines which contributed revenue from Codeshare and
in budget disbursement. As the momentum from the above mentions, the Thai economy in 2018 was expected to continue expanding which the Bank of Thailand revised up the growth forecast to 4.4 percent (as
in 4Q18 following currency fluctuation in the quarter while foreign debts were all fully hedged. Finance cost was Bt1,217mn decreasing 5. 8% YoY and 5. 5% QoQ due to lower deferred interest from
fluctuation whereas foreign debts were all fully hedged. Finance cost was Bt5,148mn decreasing 2.9% YoY due to lower deferred interest from spectrum licenses. Average cost of borrowing was maintained at 3.1
% yoy, +6% qoq) and non- mobile enterprise business grew 13% yoy. We continued on with cost optimization while expanding 5G network which resulted in controlled cost of service (+3% yoy, -0.5% qoq) and