Management Discussion and Analysis For the fourth quarter and year ended December 31, 2019 Bangkok Commercial Asset Management Public Company Limited 99 Surasak Rd, Silom, Bangrak, Bangkok 10500

Management Discussion & Analysis of Business Operation Bangchak Corporation Public Company Limited For the year ended December 31st, 2018 Management Discussion and Analysis of Business Operation for

flat service revenue both qoq and yoy. Our mobile business still contracted (-1.5% yoy, -0.9% qoq) but at much lower pace while the home broadband business hit a new high of demand to work from home (+21

the legal disputes with National Telecom Public Company Limited (NT). As a result, AIS agreed to pay for dispute settlement to NT in an amount of Bt447.87mn which has previously been provisioned for

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2020 (Unreviewed) Kiatnakin Phatra Bank Public Company Limited Investor Relations Email: investor_relations

Bangchak Corporation Plc. I 3 Executive Summary Summary of the Company and its subsidiaries’ operating results for the 2nd quarter ended 30th June 2019 Unit: THB Million Q2/2018 Q1/2019 Q2/2019 YoY QoQ

. Nonetheless, the business sector remained challenged by new modes of competition, the broader marketplace amid the advancing digital age, regulatory changes, the rapid pace of technological advancement and fast

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations