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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

Thailand 2019 Outlook After You ranked the world’s best-performing restaurant stock in 2019 Bloomberg announced that After You is the world‘s best-performing restaurant stock in 2019, as it has the highest

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right to purchase, or to convert those securities into, shares of such business; (2) “Business” means a company whose shares are listed on the Stock Exchange; (3) “SEC Notification No. KorChor. 53/2545

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the uncertainties stemming from economic recession. However, our capital position – as of the end of the first quarter of 2020 – remained robust. As evidenced, capital adequacy ratio (CAR) of

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Statement Cash Flows Statement Accounting Financial Ratios Business Performance Executive Summary Statement of Income 19 of Financial Position Environment Management 3 3 | Management Discussion and Analysis

. Management Discussion and Analysis 2.1. Selected Financial Position and Operating Results 2.2. Cash Collection from NPLs and NPAs Management Businesses 2.3. Vintage Analysis 2.4. NPLs by Portfolio