% 8.57 8.11 5.6% Net interest margin 2.31% 2.35% 2.27% (0.04)% 0.04% 2.33% 2.33% - Net fees and service income to operating income ratio 22.7% 24.7% 24.1% (2.0)% (1.4)% 23.7% 23.4% 0.3% Expense to

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

Management’s Discussion and Analysis For the operating results of FY2018 Global Green Chemicals Public Company Limited Global Green Chemicals Public Company Limited Management’s Discussion and

Global Green Chemicals Public Company Limited Management Discussion and Analysis For the operating results of 3Q/2019 Global Green Chemicals Public Company Limited Management Discussion and Analysis

Page 1 of 4 GEL.CS.006/2562 14 November 2019 Subject: Management Discussion and Financial Analysis for the operating results of the third quarter of 2019, ended September 30, 2019 To: Director and

(Translation) NEP-AC 001/2560 10 August 2017 Subject : Management Discussion and Analysis for 2nd Quarter ended 30 June 2017 To : The President The Stock Exchange of Thailand Operating Result NEP

the operating results of the Company and its subsidiary, please kindly find the following attachment. Please kindly be informed accordingly. You’re faithfully, Mr. Geza Emil Perlaki Managing Director

(Translation) NEP-AC 002/2560 9 November 2017 Subject : Management Discussion and Analysis for 3rd Quarter ended 30 September 2017 To : The President The Stock Exchange of Thailand Operating Result

revenue from sales and service per total operating days of the same branch Other income grew from THB 33.7 Mn in 2017 to THB 42.5 Mn in 2018, an increase of THB 8.8 Mn or 26.2%. This increase was mainly due

1 (Translation) MD. 083/2019 May 8, 2019 Re: Management Discussion and Analysis For the Operating Results ended March 31, 2019 To: President The Stock Exchange of Thailand Management Discussion and