formulation optimization. During the year, the Company has utilized IPO proceeds to invest as planned. The new glass factory (SGA2) has completed in Q3’19 and started commercial operations in Oct’19. This

repair works in order to hand over to housing juristic person and for repurchasing of houses from customers, totaling 247 million baht in the same period in 2018. Please be informed accordingly. Yours

-Translation- 1 -Translation- Ref. NCH 049/2017 August 9, 2017 Subject : Management’s Discussion and Analysis Q.2/2017 Attention : President The Stock Exchange of Thailand N.C. Housing Plc. (“the

-Translation- 1 -Translation- Ref. NCH 049/2017 August 9, 2017 Subject : Management’s Discussion and Analysis Q.2/2017 (Revised) Attention : President The Stock Exchange of Thailand N.C. Housing Plc

-Translation- 1 -Translation- Ref. NCH 067/2017 November 10, 2017 Subject : Management’s Discussion and Analysis Q3/2017 Attention : President The Stock Exchange of Thailand N.C. Housing Plc. (“the

points at the end of 2018. Overall Business Operations The Bank’s loan portfolio during 1Q19 grew 1.9% with growth driven by corporate banking loans, real estate development loans and housing loans while

-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

-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

-Translation- 1 -Translation- Ref. NCH 056/2018 November 12, 2018 Subject : Management’s Discussion and Analysis 3Q/2018 Attention : President The Stock Exchange of Thailand N.C. Housing Plc. (“the

MTI: MUANG THAI INSURANCE PUBLIC COMPANY LIMITED NC: NEWCITY (BANGKOK) PUBLIC COMPANY LIMITED NCAP: NEXT CAPITAL PUBLIC COMPANY LIMITED NCH: N. C. HOUSING PUBLIC COMPANY LIMITED NCL: NCL INTERNATIONAL