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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
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
ratio of non-performing loans to total loans (NPL ratio) increased from 2.83% at the end of 2016 to 2.97% at the end of the third quarter 2017. However, Thai commercial banking system’s remained resilient