หนังสือแสดงการรับทราบความผิด 27 February 2020 Subject : Management Discussion and Analysis of the year ended 31 December 2019 Attn. : Director and Manager The Stock Exchange of Thailand Encls. : A

-Translation- 1 -Translation- Ref. NCH 028/2019 August 9, 2019 Subject : Management’s Discussion and Analysis 2Q/2019 Attention : President The Stock Exchange of Thailand N.C. Housing Plc. (“the

. The increase was come from the opening new clubhouse which helped to improve the service quality of golf course and restaurant. Since February 2018, number of golfers and customers from nearby housing

-Translation- 1 -Translation- Ref. NCH 042/2018 August 10, 2018 Subject : Management’s Discussion and Analysis 2Q/2018 Attention : President The Stock Exchange of Thailand N.C. Housing Plc. (“the

the real estate sector. In addition, the Company launched new housing project in a potential location. All houses were well designed in both layout and functions and the Company was able to maintain

homebuyers, reduction of ownership transfer fee and mortgage registration fee to 0.01%, housing loan measures of the Government Housing Bank and financial support for down payment. Such measures gradually help

Due Date: 16 December 2022 2,990.18 24/08/2022 26/08/2022 26/08/2022     PHAHONYOTHIN ASSET MANAGEMENT COMPANY LIMITED Debenture - Short Term II/MTN SHORT-TERM GUARANTEED DEBENTURES OF PHAHOLYOTHIN

Management Discussion and Analysis For the fourth quarter and year ended December 31, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66