Ref. No. IVL 003/08/2020 13 August 2020 The President The Stock Exchange of Thailand Subject: Submission of Quarterly Review of Financial Statements and the Management Discussion and Analysis of

Osotspa Public Company Limited Q2’19 and 1H’19 Management Discussion & Analysis 14 August 2019 Q2’19 and 1H’19 Management Discussion & Analysis Page 1/6 Financial Highlights - Q2’19 Net profit* was

Index Living Mall Public Company Limited (ILM) Management Discussion and Analysis (MD&A) For the First Quarter Ended 31 March 2020 Management Discussion and Analysis (MD&A) for the first quarter

E_1 Legal_FA_2015_12_29-c A HibrWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending September 30, 2018 The Thai economy in the third quarter of 2018 grew at a

Dusit Thani PLC Management Discussion and Analysis For 1Q20 P a g e | 1 Executive Summary Due to the COVID-19 pandemic, Thailand and many countries in the world have issued the preventive measures

management costs over the long-term, which will in turn help reduce costs within the economic system. Within this context, KBank and K Companies accentuate enhancement of our business capabilities to achieve

take good care of customers to help them withstand the economic crisis and move forward to the “New Normal”, while maintaining close control of credit underwriting and risk management. The Bank also set

same time, banks offered help to customers who had suffered from the slow economic recovery while taking care of loan quality and cost management. Government rules and regulations caused commercial banks

Baht *Based on the Internal Management Account of Gulf WHA MT as of 31 August 2017, which is not reviewed or audited by an auditor. **This amount has not included the loan to be acquired by the Company

suit the market needs and to serve customers better. In addition, this will help reduce personnel training costs for securities companies which regularly organize in-house training. 3. Duration of