-1- AIT (VP-SEC) 005E/2022 21 February 2022 Subject: Management's Discussion and Analysis of Operating Results for the year 2021 and Q4-2021 To: The President of the Stock Exchange of Thailand

Thailand (BOT) requires commercial banks registered in Thailand and members of their financial groups to maintain minimum levels of capital adequacy as measured by three ratios, including the Common Equity

The commercial banking sector in Thailand continues to face challenges from the business environment and ongoing changes in regulations. However, operating results in the second quarter of 2019 improved

election, which is expected to take place early of 2019. Thai Banking Industry Although the commercial banking system in Thailand is facing challenges from an uncertain economic environment, its lending and

in Thailand and members of their financial groups to maintain minimum levels of capital adequacy as measured by three ratios, including the Common Equity Tier 1 ratio at no less than 4.50 percent, the

. Meanwhile, farm income declined due to a more-severe-than expected impact of the drought. The Bank of Thailand reduced Thailand’s economic growth projection for 2020 to contract 5.3% (as of March 2020

After You Public Company Limited 1319/9 Pattanakarn 25. Suanluang, Bangkok 10250 Thailand E-mail : ir@afteryou.co.th www.afteryoudessertcafe.com Page 1 of 5 Ref. AU 002/2018 27 February 2018 Subject

After You Pcl. 1319/9 Pattanakarn Rd. Suanluang, Bkk 10250 Thailand E-mail : ir@afteryou.co.th www.afteryoudessertcafe.com Page 1 of 5 Ref. AU 10 /2018 11 November 2018 Subject: Management Discussion

the company was voted for the third consecutive years. However, the company’s securities has selected in the SET High Dividend 30 Index or SETHD from the Stock Exchange of Thailand which the price index

. Bank of Thailand raised its economic growth forecast for this year to 3.8% from 3.5%, upgraded its estimate for exports. In the medium to long term, we has a positive view toward equity market because of