GFPT Public Company Limited Interim Management Discussion and Analysis for the 2nd Quarter 2018 Page 1 of 13 Management Discussion and Analysis This interim MD&A report has been prepared based on the

GFPT Public Company Limited Interim Management Discussion and Analysis for the 3rd Quarter 2018 Page 1 of 13 Management Discussion and Analysis This interim MD&A report has been prepared based on the

GFPT Public Company Limited Interim Management Discussion and Analysis for the 1st Quarter 2020 Page 1 of 11 Management Discussion and Analysis This interim MD&A report has been prepared based on the

GFPT Public Company Limited Interim Management Discussion and Analysis for the 3rd Quarter 2019 Page 1 of 13 Management Discussion and Analysis This interim MD&A report has been prepared based on the

targets from major suppliers that those increased from 2022. It is an increase based on the purchase amount of the product type that the supplier determines their conditions. Cost of equipment for lease

consideration loan applicants’ financial standing and risk levels based on their financial statements submitted to the Revenue Department for income tax filing as a significant factor for establishing loan limits

GFPT Public Company Limited Management Discussion and Analysis for the Year 2018 Page 1 of 14 Management Discussion and Analysis This MD&A report has been prepared based on the consolidated of GFPT

GFPT Public Company Limited Management Discussion and Analysis for the Year 2019 Page 1 of 14 Management Discussion and Analysis This MD&A report has been prepared based on the consolidated of GFPT

GFPT Public Company Limited Interim Management Discussion and Analysis for the 3rd Quarter 2017 Page 1 of 13 Management Discussion and Analysis This interim MD&A report has been prepared based on the

Ratio 1 (times) 1.63 1.54 1.81 Quick Ratio 2 (times) 0.53 0.37 0.57 Cash Ratio 3 (times) 0.67 0.68 0.80 Account Receivable Turnover 4 (times) 17.65 17.27 17.78 Average Collection Period 5 (days) 20 21 20