Page 1 No. CMC Sor Lor.009/2019 May 14, 2019 Re: Management Discussion & Analysis for the Period Ended 31 March 2019 To The President of the Stock Exchange of Thailand (SET) CHAOPRAYAMAHANAKORN

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Page 1 No. CMC Sor Lor.012/2019 August 13, 2019 Re: Management Discussion & Analysis for the Period Ended 30 June 2019 To The President of the Stock Exchange of Thailand (SET) CHAOPRAYAMAHANAKORN

well as reduced loan interest rates. 48.1 84.7 77.3 88.0 162.0 Q2/2019 Q1/2020 Q2/2020 6M/2019 6M/2020 +84.1% YoY -8.8% QoQ +60.5% YoY Management Discussion and Analysis (MD&A) for the second quarter

V3 22/02/61 10:09 น. 0 V3 22/02/61 10:09 น. 1 Management Discussion and Analysis Overview of the Economy and Banking Industry Thai Economy in 2017 In 2017, Thailand’s real GDP grew by 3.9 percent, up

MANAGEMENT DISCUSSION & ANALYSIS 1Q 2019 15 MAY 2019 U CITY PCL 1Q 2019 - MD&A (for three-month period ended 31 March 2019) 1 U CITY PCL 1Q 2019 KEY FINANCIAL HIGHLIGHTS • Total revenue increased by

Eng_MD&A Q2'18 (Translation) August 14, 2018 Ref: SET-2018-016 Re: Management Discussion and Analysis for Quarter 2’ 2018 Attn. to: President The Stock Exchange of Thailand Filter Vision Public