-Translation- Ref. EIC-AD017/2018 May 15, 2018 Subject: Management Discussion and Analysis for the Quarterly Performance Ending March 31, 2018 To: President The Stock Exchange of Thailand Reference is made to

Index Living Mall Public Company Limited (ILM) Management Discussion and Analysis (MD&A) For the First Quarter Ended 31 March 2020 Management Discussion and Analysis (MD&A) for the first quarter

Management Discussion and Analysis for the Year 2019 Business Overview Business overview of One to One Contacts Public Company Limited and its subsidiaries (“the Group”) for the year 2019 compared to

from the same quarter last year reflecting the well-disciplined on cost management. The cost to income ratio was 41.9 percent. At the end of September 2019, loan amounted to Baht 2,001,445 million

from Utilities Business consists of Excessive Charge for additional Utilities demand and Service Fees for Wastewater Management. 3 Gross Profit from Operation excludes Other Income from Utilities

V2 24/08/60 09:22 น. 0 V2 24/08/60 09:22 น. 1 Management Discussion and Analysis Overview of the Economy and Banking Thai Economy in the Second Quarter of 2017 The Thai economy in the second quarter

than the end of 2017 of 89.9 million baht. As ending of third quarter of 2018, the Company‘s debt to equity ratio was 2.90 times and the interest bearing debt to equity is 2.50 times.   Management

to the Retirement Management Fund (RMF) or other funds with objectives of long-term savings for resignment or retirement. (3) In case both employee and employer cannot pay savings and contribution to

V2 30/08/61 14:31 น. 0 V2 30/08/61 14:31 น. 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in the Second Quarter of 2018 The Thai economy in the second

fell from 96.9 percent at the end of 2016 to 96.3 percent. The Liquidity Coverage Ratio (LCR) stood at 180.0 percent. For liquidity management, commercial banks are placing great emphasis on deposit