(Translation) Bangkok Expressway and Metro Public Company Limited Management Discussion and Analysis for the Quarter Ended on June 30, 2020 1 Significant events in the second quarter of the year 2020

1 Ref FN. 007/2020 Management Discussion and Analysis For operation of the year 2019 FN Factory Outlet Public Company Limited was founded in 2000 and has been operated the outlet business, featuring

from project investment in 2019 and dividend payment to the shareholder. EASTERN WATER RESOURCES DEVELOPMENT AND MANAGEMENT PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR 2019 6 7

1,223.2 LH Financial Group Public Company Limited Management Discussion and Analysis for the First Quarter ended 31 March 2020 Page 6/20 Items Quarter Variance 1/2020 1/2019 Amount (%YoY) Dividend income

THB 0.02 per share (total of THB 83mn). The dividend will be paid on 17 May 2019. MANAGEMENT DISCUSSION & ANALYSIS 1Q 2019 13 MAY 2019 MASTER AD PUBLIC COMPANY LIMITED NATIONWIDE COVERAGE 3 276 133 144

Management Discussion and Analysis For the first quarter ended March 31, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66-2841-5925

Excessive Charge, Service Fees for Wastewater Management 3 Gross Profit from Operation excludes Other Revenue from Utilities Business. 4 Other Incomes mainly consists of Interest Income from Loans to GHECO

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations