(-Translation-) Ref. No. VGIGM.CSC.SET.18.13 May 17, 2018 Subject Dividend Payment, Investment in the shares of Kerry Express (Thailand) Limited, Issuance and Offering of the Newly Issued Ordinary

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended March 31, 2018 In the first quarter of 2018, Thai economic growth gained traction, buoyed by both domestic and international factors. However, the business sector faced rising challenges, namely various forms of competition, a borderless marketplace within the ASEAN Economic Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus lea...

component of revenue or expenses necessary to understand the issuer's results of operations. 2. To the extent that the financial statements disclose material changes in net sales or revenues, provide a

230 mn Project Risk HSMC is exposed to the foreign exchange rate movement due to the revenue is denominated in USD Expected Benefit Company expects that projects shall create the IRR of at least 10% 4.2

percent. Non-interest income also increased by Baht 858 million or 1.51 percent, derived mainly from revenue from sales of securities, while net premiums earned - net and fees and service income decreased

and conditions stipulated under the Thai Revenue Code for the purpose of tax exemption for such transaction (the “Entire Business Transfer Transaction”). BTSG is a majority shareholder of the Company

, resolution, board reserved matters and votes required in resolving such reserved matters. 4) Right of each party in appointing management of S-TREK, such as CEO or Page 8 Topic Details CFO, etc. 5) Dividend

No. ECF2 044/2561 3 December 2018 Subject: Notification of the resolutions of the Board of Directors’ Meeting approving the investment in purchasing the ordinary shares of S-TREK (Thailand) Co., Ltd., capital increase, and the issuance and allocation of the newly issued ordinary shares to the specific person under the private placement basis, and the schedule for Extraordinary General Meeting No. 1/2019 (Additional) To President The Stock Exchange of Thailand Enclosure 1. Information Memorandum...

-Translation- No. ECF2 005/2019 17 January 2019 Subject: Cancellation of the resolutions of the Board of Directors’ Meeting No. 13/2018 in relation to the investment in the ordinary shares of S-TREK (Thailand) Co., Ltd., the investment in the ordinary shares of S-TREK (Thailand) Co., Ltd., capital increase, and the issuance and allocation of the newly issued ordinary shares to the specific person under the private placement basis, and the schedule for 2019 Annual General Meeting of Shareholders...

Commercial Operation Date Within Quarter 1/2019 Expected Capital Expenditure THB 40-60 mn Project Risk HSMC is exposed to the foreign exchange rate movement due to the revenue is denominated in USD Expected