Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

the same range as at the end of the last year, which is mainly resulted from: 1. A increase of cash and cash equivalents in the amount of THB 70 million, which is caused by the better management of the

right to receive the interim dividend was on 23 August 2018 and the dividend paid on 5 September 2018. Total dividend paid was Baht 332.75 million. EASTERN WATER RESOURCES DEVELOPMENT AND MANAGEMENT

1 - Translation – Bor.Chor.Ngor 0078/2018 March 30, 2018 Subject: Connected transaction (renew the property management contract) and the allocation for legal reserve Attn : President The Stock

2019_Q2_MDA_ENG Ocean Glass Public Company Limited Page 1/4 Management Discussion and Analysis Operating Results 2nd Quarter 2019 Ocean Glass Public Company Limited and its subsidiaries (“the Company

efficiency programs. Cash CAPEX is expected to slow down YoY to a range of Bt35-38bn and will be spent mainly on 4G network and fixed broadband expansion in last miles. We maintain the dividend policy to pay

from Utilities Business consists of Excessive Charge for additional Utilities demand and Service Fees for Wastewater Management. 3 Gross Profit from Operation excludes Other Income from Utilities