Acquisition and Disposition of Assets of the Company due to the investment in Seahorse Ferry Company Limited. Attention: President, The Stock Exchange of Thailand According to the resolution of the Board of

exchange rates. KBank hence prioritized effective risk management in order to cope with economic uncertainties both at home and abroad. We adopted a prudent credit policy, accounting for customer potential

and foreign exchange transactions enjoyed steady growth. Meanwhile, our impairment loss on loans and debt securities grew at a decelerating rate in line with NPLs to total loans which declined slightly

million in 2017 showing a decrease of Baht 13.61 million or 6.74 % decrease due to the abovementioned operating loss and other comprehensive income of loss in future actuarial loss and difference exchange

1 Ref: AC.017/2018 14 May 2018 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

1 Translation UWC 022-2018 May 14, 2018 Subject : Management Discussion and Analysis for quarter 1-2018 To : President of the Stock Exchange of Thailand Ua Withya Public Company Limited ("Company

26 July 2018 At: ACC/HO 021/18 Re: Management Discussion and Analysis for the three-month period and six-month ended 30 June 2018 To: President The Stock Exchange of Thailand The Thai economy

million. due to the following reasons: 1. In 2018, Management put emphasis on renewing the contracts with more margin projects. 2 . Solar energy began to recognize revenue for the whole six-month month

-1- AIT (VP-SEC) 018E/2018 August 9, 2018 Subject: Management's Discussion and Analysis of Operating Results for Q2-2018 To: The President of The Stock Exchange of Thailand Summary of Operations Q2

(Translation) NEP-AC 002/2561 9 August 2018 Subject : Management Discussion and Analysis for 2nd Quarter ended 30 June 2018 To : The President The Stock Exchange of Thailand Operating Result NEP