30 July 2019 At: ACC/HO 017/19 Re: Management Discussion and Analysis for the Quarter of 2/2019 To: President The Stock Exchange of Thailand In the second quarter of 2019, the Thai economy inclined

(Translation) UAC.CS/013/2019 August 14, 2019 Subject: Explanation of the operating results for the second quarter period ended June 30, 2019 To: President The Stock Exchange of Thailand Attachment

1 Translation UWC 022-2018 May 14, 2018 Subject : Management Discussion and Analysis for quarter 1-2018 To : President of the Stock Exchange of Thailand Ua Withya Public Company Limited ("Company

26 July 2018 At: ACC/HO 021/18 Re: Management Discussion and Analysis for the three-month period and six-month ended 30 June 2018 To: President The Stock Exchange of Thailand The Thai economy

: President of the Stock Exchange of Thailand Ua Withya Public Company Limited ("Company") would like to describe and analyze the financial position and operating results for quarter 2-2018 are summarized as

30 October 2018 At: ACC/HO 032/18 Re: Management Discussion and Analysis for the three-month period and nine-month ended 30 September 2018 To: President The Stock Exchange of Thailand The third

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(Translation) UAC.CS/016/2019 November 7, 2019 Subject: Explanation of the operating results for the third quarter period ended September 30, 2019 To: President The Stock Exchange of Thailand

29 October 2019 At: ACC/HO 023/19 Re: Management Discussion and Analysis for the Quarter of 3/2019 To: President The Stock Exchange of Thailand In the third quarter of 2019, there were concern on the

introduction of products and services based on big data analytics with the aim of becoming Customers’ Main Bank in this segment and increasing this customer group’s share of wallet devoted to KBank. Along with