1 No. KK ELCID 2563/003 November 11, 2020 Subject: Management Discussion and Analysis for the third quarter ended September 30, 2020 To: President The Stock Exchange of Thailand K&K Superstore

management will be emphasized to enable their capability of providing comprehensive advice on a variety of financial instruments. Training for renewal of approval will also be revised to be more interesting

1 of 8 Management Discussion and Analysis, for the quarter 2/2018 • The analysis of operating results for the six-month period ended of June 30, 2018 • The analysis of operating results for the three

Ref: UWC 025/2562 November 13, 2019 Subject: Management Discussion and Analysis 3rd Quarter ended September 30, 2019 To: President The Stock Exchange of Thailand Ua Withya Public Company Limited

MDA Q2_61 EN -Translation- No. ECF2 033/2018 August 15, 2018 Subject: Management Discussion and Analysis of the 2nd quarter ended June 30, 2018 To President The Stock Exchange of Thailand East Coast

) FY2019 Management Discussion and Analysis Financial Statement Summary in FY2019 Statement of Comprehensive Income Total Revenue Total revenue from the core business in FY2019 was Bt3,147.35mn, decreasing

(FSMART) 3Q19 Management Discussion and Analysis Financial Statement Summary in 3Q19 Statement of Comprehensive Income Bt mn % Bt mn % Bt mn % Income from rendering of top-up service for prepaid phone and

shareholders as well as to be the number one in the country conducting the non-performing debt management without collateral. Management Discussion and Analysis (MD&A) 2019 Page 2/6 Summary of Comprehensive

Management Discussion and Analysis For the first quarter ended March 31, 2020 Bangkok Commercial Asset Management Public Company Limited 99 Surasak Rd., Silom, Bangrak, Bangkok 10500 Thailand Tel 0

mainly derived from the following reasons:- 1. Management Service (“MS”) had a decrease of gross profit for (3.17) million baht. Main reason was that, in Q3/2018, the company already had a renew contract