[COMPANY NAME] Ref.: EFORL IR007/2020 March 4, 2020 Subject: Management Discussion and Analysis Yearly Ending 31 December, 2019 To President The Stock Exchange of Thailand 1. Overview financial

of the Stock Exchange of Thailand Attachment: Management Discussion and Analysis ended 30 September 2019 As the Golden Lime Public Company Limited (“the Company”) has submitted the Review report on the

achieve sustainable growth and returns while maintaining our long-term market leadership. Guided by our core strategies of “Customers’ Life Platform of Choice” along with “Customer Centricity”, KBank has

entering into the transaction of acquisition and disposal of assets and the connected transaction To President The Stock Exchange of Thailand Enclosure Information Memorandum on the Acquisition and Disposal

public offering of BBGI Company Limited (“BBGI”) (IPO), the proposed listing of BBGI on the Stock Exchange of Thailand, the employee stock option programme for the benefit of directors, management and

/2019 (2nd additional) To Director and Manager The Stock Exchange of Thailand Enclosure 1. Information Memorandum on the Acquisition of Assets (Schedule 1) Regarding the Purchase of the Ordinary Shares of

last year. When excluding exports of gold, value of exports declined by 3.5% mainly from the slow economic growth of trading partners including 3 the shutdown measures imposed by several countries with

of exports declined by 5.4% mainly from the slow economic growth of trading partners including the shutdown measures imposed by several countries with the COVID-19 outbreak. In the tourism sector, the

measures to release the economic impact. Having considered the above-mentioned circumstances, the Bank of Thailand lowered the Thai economy growth outlook in 2020, from an increase of 1.5-2.5% to a decrease

., Ltd and appointment of member of audit committee. (Revised) To: President The Stock Exchange of Thailand Enclosure: Information Memorandum regarding the Acquisition of Asset of Demeter Corporation