E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended June 30, 2018 The Thai economy in the second quarter of 2018 gained further traction from the first quarter. The ongoing economic rebound was mainly driven by exports and tourism, whereas domestic spending and investment only gradually picked up. Still, the economy has yet to see strong across-the-board growth. The business sector remained challenged by new modes of competition...

link their national ID or mobile phone number to Land and Houses Bank Public Company Limited’s accounts. By doing so, transferors do not need the transferees’ bank account details to transfer money. 3.4

the published financial statements to get complete details and understanding. The consolidated financials are based on the elimination of intra-company (or intra-business segment) transactions. For this

footprint basis Notes We recommend that investors always read the MD&A together with the published financial statements to get complete details and understanding. The consolidated financials are based on the

-month period, the net profit increased by Baht 6.28 million or 2.56 percent. Details of the changes or impacts are described in the Management Discussion and Analysis (MD&A) as attached herewith. Please

for the 3-month period decreased by Baht 0.33 million or 0.43 percent but for the 9-month period, the net profit increased by Baht 5.95 million or 1.84 percent. Details of the changes or impacts are

return on sales. Selling expenses were THB 531 million, a decrease of THB 170 million or 24.3%, representing 14.1% of total sales, down from 19.4%. The details of key expenses were as follows: (1) Club and

Group for the 6-month period would be Baht 316.54 million or an increase of 23.86 percent. Details of the changes or impacts are described in the Management Discussion and Analysis (MD&A) as attached

link their national ID or mobile phone number to Land and Houses Bank Public Company Limited’s accounts. By doing so, transferors do not need the transferees’ bank account details to transfer money. 3.4

Corporate Group for the 9-month period would be Baht 446.70 million or an increase of 33.26 percent. Details of the changes or impacts are described in the Management Discussion and Analysis (MD&A) as