Management Discussion and Analysis For the first quarter ended March 31, 2019 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

(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

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

Bangkok Commercial Asset Management Public Company Limited Page 1 13 December 2019 Subject Management Discussion and Analysis for nine-month period ended 30 September 2019 To The President The Stock

’ name EASTERN WATER RESOURCES DEVELOPMENT AND MANAGEMENT PLC PUBLIC COMPANY LIMITED   Securities Code: EASTW   2. Date of action resulting in reporting obligation 03/03/2020 (     ) Direct sale/purchase

: Management discussion and analysis for the year ended December 31, 2017 To Director and Manager of the Stock Exchange of Thailand Referring to the submission of the audited financial statements of Wiik

increase 13.00%, because there are expenses related to the extraordinary general shareholder meeting and cost of capital increase. 5. Management benefit expenses For six months ended June 30, 2018 the

Operating Results 1. Organizational structure and operation of the group of companies 3 2. Risk management 12 3. Business sustainability development 13 4. Management discussion and analysis (MD&A) 17 5

Classification : ใชภ้ายใน (Internal) Table of Contents Page Part 1: Business Operation and Operating Results 1. Organizational structure and operation of the group of companies 3 2. Risk management 12 3. Business

: Management explanation and analysis for three-month period ended 30 September 2019 Attention: The President of, The Stock Exchange of Thailand ZIGA Innovation Public Company Limited ( “the Company” ) would