บริษัท สำนักกฎหมายธรรมนิติ จำกัด Information memorandum on Acquisition of Assets of Halcyon Technology PLC. (HTECH) Company’s Name Master Carbide Tools Company d/b/a Mastertech Diamond Products

Management Discussion and Analysis For the first quarter ended March 31, 2020 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk Management 7 2.3 Liquidity Risk Management 8 2.4 Cyber Risk Management 8 3. Business Directions and Operations of Core Businesses 9

monitor credit quality and maintained high levels of capital buffers and loan loss provisions to facilitate credit expansion going forward. Credit Rating Land and Houses Bank Public Company Limited is

(Thailand) Public Company Limited (“Company”), hereby report the resolutions passed the related transactions with the related companies (Details as attachment) at the meeting of the Board of Directors No.3

Life Assurance Public Company Limited and our business partners, for service quality improvements in order to deliver an excellent customer experience. In keeping with changing customer expectations, we

(Thailand) Public Company Limited (“Company”), hereby report the resolutions passed at the meeting of the Board of Directors No. 7/2018, held on July 11, 2018 from 10.00 a.m. as follows: 1. Unanimously

Public Company Limited’s (the “Company”) Board of Directors Meeting No. 3/2021 held on 17 May 2021 passed a resolution to certify the financial statements and the performance for the three-month period

Management Discussion and Analysis Q1/2020 Page 1/4 JAS Asset Public Company Limited - Translation - IR63/009 15 May 2020 Subject: Management Discussion and Analysis, 1st Quarter Ending 31 March 2020

% . This is because in 2023, the Company's income tax expenses increased significantly since the Company did not record allowances for expected credit losses from related receivables as deferred tax assets