355 (24%) EBITDA 60 58 (3%) 210 172 (18%) Net Profit (Loss) for the Company 17 13 (24%) 55 4 (93%) Gross Profit Margin (%) 61.4% 59.6% (1.8%) 60.9% 57.3% (3.6%) EBITDA Margin1 (%) 28.6% 30.4% 1.8% 27.2

1 ASIA’S BOUTIQUE AIRLINE Management’s Discussion and Analysis For the period ended 31 December 2019 Bangkok Airways Public Company Limited and Its Subsidiaries 2 ASIA’S BOUTIQUE AIRLINE Bangkok

payment, campaign to promote more application for KBank JCB Credit Card and OneSiam KBank Credit Card, cash back offering and transfer of accumulated points to our business partners’ loyalty programs to

company or who is related to securities business as follows: (Translation) -2- (a) director, manager or any person who has power of management in a securities company; (b) fund manager; (c) property fund

transaction in one application”. LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2017 Page 6/22 3.2 LH Bank Speedy is an internet banking

application”. LH Financial Group Public Company Limited Management Discussion and Analysis for the Third Quarter ended 30 September 2017 Page 6/22 3.2 LH Bank Speedy is an internet banking service which

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

Management Discussion & Analysis of Business Operation Bangchak Corporation Public Company Limited For the 3rd quarter ended September 30th, 2018 Management Discussion and Analysis of Business

-competitive markets. A notable initiative in this quarter was K PLUS SME – the KBank mobile banking application that answers to the needs of customers to monitor account transactions, credit limits, and

Notification of the Capital Market Supervisory Board concerning Application and Approval for Offer for Sale of Newly Issued Debt Securities, and such company having arranged for a credit rating and received an