Bangchak Corporation Plc. Management Discussion & Analysis of Business Operation For the quarter ended September 30th, 2019 Management Discussion and Analysis of Business Operation for Q3/2019

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1 | MANAGEMENT DISCUSSION AND ANALYSIS 2019 Management Discussion and Analysis 2019 < Translation> 2 March 2020 KEY EVENT IN 2019 In 2019, UWC announced a corporate restructuring, which featured in

of sales and service 197 154 199 1,653 765 1,281 1,456 611 1,082 Q2/60 Q1/61 Q2/61 342 353 3,511 2,046 3,169 1,693 1H/60 1H/61 Gross profit 12 Management Discussion & Analysis Management Discussion

1 No. ACC 2019/004 13 August 2019 Subject : Management Discussion and Analysis for the three-month and six-month period ended 30 June 2019 To : President The Stock Exchange of Thailand Index Living

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commercial banks and financial institutions to make use of risk management plans and increase opportunities for these businesses to access funds; the enhancement of QR Code standards to service payments in