1 --Translation-- Sor Gor 106/2017 October 20, 2017 Subject: Management Discussion and Analysis for the third quarter ended September 30, 2017 (Unreviewed) To: The President The Stock Exchange of

1 --Translation-- Sor Gor 113/2017 November 9, 2017 Subject: Management Discussion and Analysis for the third quarter ended September 30, 2017 (Reviewed) To: The President The Stock Exchange of

Management Discussion and Analysis For the first quarter ended March 31, 2020 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

12% Short term loan 12% EASTERN WATER RESOURCES DEVELOPMENT AND MANAGEMENT PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR Q2/2019 7 9. KEY FINANCIAL RATIOS Key Financial Ratios As of 30

of loan classfication by business type LH Financial Group Public Company Limited Management Discussion and Analysis for the Second Quarter ended 30 June 2017 Page 16/22 Non-performing loans (Net

additional short term loan for working capital management. EASTERN WATER RESOURCES DEVELOPMENT AND MANAGEMENT PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR 2018 6 7. FINANCIAL POSITION

waiting for amortization 1.24 (0.03) Total 4.08 0.52 Analysis of financial status (Unit: Million Baht) Assets 31 March 2018 % 31 December 2017 % Trade and other receivables 114.65 9% 92.70 7% Inventories

ending March 31, 2017 and 2016 consisted of the followings: (Unit: Million Baht) 2017 2016 - Current period income tax 0.55 0.32 - Income tax waiting for amortization (0.03) 0.95 Total 0.52 1.27 Analysis

followings: (Unit: Million Baht) 2017 2016 - Current period income tax (1.08) (1.73) - Income tax waiting for amortization (1.22) (1.64) Total (2.30) (3.37) Analysis of financial status (Unit: Million Baht

Baht) 2017 2016 - Current period income tax (0.87) (0.88) - Income tax waiting for amortization (2.08) (2.21) Total (2.95) (3.09) Analysis of financial status (Unit: Million Baht) Assets September 30