Management Discussion and Analysis of quarter 1 /2020 1 | p a g e M.D. 103/2020 August 7, 2020 Subject: Notification of quarter 1/2020 operating results and financial position To: President of the

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

MANAGEMENT DISCUSSION & ANALYSIS 2Q 2020 13 AUG 2020 U CITY PCL 2Q 2020 - MD&A (for three-month and six-month period ended 30 June 2020) 1 U CITY PCL 2Q 2020 KEY FINANCIAL HIGHLIGHTS • Total revenue

MD&A Q4_2018 (Eng.) February 21, 2019 Subject : Yearly Management Discussion and Analysis of 2018 Attention : President of The Stock Exchange of Thailand We attach herewith the financial statements

and Equipment 151.7 6.1% 130.8 5.7% -20.9 -13.8% Leasehold rights and buildings 1,330.8 53.3% 1,284.4 55.8% -46.4 -3.5%   JAS Asset’s Management Discussion and Analysis for FS2018 Page4/5 31-Dec-17 31

Thani  Cash inflow from sales of property, plant and equipment of Baht 2,394 million  Cash inflow from sale on other long-term investment of Baht 216 million Dusit Thani PLC Management Discussion and

equipment of Baht 2,394 million  Cash inflow from sale on other long-term investment of Baht 216 million Dusit Thani PLC Management Discussion and Analysis For 4Q19 and FY2019 P a g e | 8 Dusit Thani PLC

equipment in the Hydrocracker unit, leading to limited fuel supply. Consequently, stock management had to be put in effect as to not affect the retail channel, which is the main sales channel. 2. Net

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