คำอธิบายและการวิเคราะห์ของฝ่ายจัดการ 20 February 2018 Re: To clarify the financial statements as of 31 December 2017 To: President The Stock Exchange of Thailand WHA Corporation Public Company

notified by the Office, irrespective of whether they are borrowed under one transaction or consecutive transactions from one lender or more. Clause 6. In carrying out the borrowing and lending of securities

whether they are borrowed under one transaction or consecutive transactions from one lender or more. Clause 6. In carrying out the borrowing and lending of securities, the business operator, whether it is

the period as notified by the Office, irrespective of whether they are borrowed under one transaction or consecutive transactions from one lender or more. Clause 6. In carrying out the borrowing and

properly disclosed. 6.2 The company determines materiality of the financial statement by considering key factors including financial report users, transaction sizes, and business trends. 6.3 Financial

investments and net fees and service income, mainly from lower fees from loan-related services, combined with the decline in fees from transaction services caused by the exemption of transaction fees via

fee income from transaction services caused by the exemption of transaction fees via digital channels, combined with declines in fee income from loan-related services and securities business, whereas

that “ …(the name of the REIT)…, ..…is the REIT according to the Trust for Transaction in Capital Market Act B.E. 2550 (2007), converted from property fund of which name is …(the name of converted

holding corporation of a group, the group of which shall be presented for the two most recent financial years (or such shorter period that the issuer has been in operation), in the same currency as the

via two projects including a soft loan scheme and the Portfolio Guarantee Scheme Phase 8 SMEs Sangthai program where loans are guaranteed by the Thai Credit Guarantee Corporation (TCG) (6) KLeasing auto