Management Discussion and Analysis For the fourth quarter and year ended December 31, 2018 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

the private placement basis, and the schedule for 2019 Annual General Meeting of Shareholders To: President The Stock Exchange of Thailand Reference: Notification of East Coast Furnitech Public Company

Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 18 Executive Summary Revenue and profit continue to grow primarily from strong rental business performance

Management’s Discussion and Analysis For the period ended 30 September 2017 Bangkok Airways Public Company Limited and Its Subsidiaries 1 ASIA’S BOUTIQUE AIRLINE Bangkok Airways Public Company

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE UNREVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE REVIEWED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD QUARTER ENDED 30

September, 2017, respectively as per the planned schedule 2  In Q32017, the Company issued the debentures for the first time to refinance existing bank loan to reduce finance cost in the amount of Baht 4,000

% 828 45% 39 5% Total revenues from main business 1,809 96% 1,794 97% 15 1% Other income 66 4% 59 3% 7 12% Total revenues 1,875 100% 1,853 100% 22 1% 2 EMS business The Company had revenue from EMS

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE AUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER

(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE UNAUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE YEAR ENDED 31 DECEMBER