(“the Company”) are pleased to submit this Management Discussion and Analysis for the three-month and nine-month periods ended 30 September 2018 with details as follows: Summary overview Thailand Mobile

Management Discussion and Analysis for the Third Quarter of Year 2019 Business Overview Business overview of One to One Contacts Public Company Limited and its subsidiaries (“the Group”) for the

Management Discussion and Analysis for the Second Quarter of Year 2020 Business Overview Business overview of One to One Contacts Public Company Limited and its subsidiaries (“the Group”) for the

Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Second Quarter of 2017 1 1.2 Banking Industry and Competition 2 1.3 Regulatory Changes 3 2. Risk

reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Third Quarter of 2017 1 1.2 Banking

Book Value Approach Details of the assessment of fair value under each method are as follows: 1) Book Value Approach Valuation based on this approach will show the value of the land by reference to the

quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Second Quarter of 2019 1 1.2 Banking Industry and Competition 2 1.3 Significant

continued to see limited support, after growing by 2.30 percent in the second quarter. The Thai economy did show some signs of strength in the third quarter, due mostly to the low base effect of the same

wide acceptance and recognition at home and abroad. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Second Quarter of 2018 1 1.2 Banking

institution, enabling us to cope with possible economic fluctuations in a timely manner. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in 2017 and