Discussion and Analysis of Financial Condition and Results of Operations for the year 2556 Translation UWC 031/2560 August 10, 2017 Subject : Management Discussion and Analysis for quarter 2-2017 To

Discussion and Analysis of Financial Condition and Results of Operations for the year 2556 1 Translation UWC 023/2562 August 16, 2019 Subject : Management Discussion and Analysis for quarter 2-2019

Discussion and Analysis of Financial Condition and Results of Operations for the year 2556 Translation UWC 028/2018 August 10, 2018 Subject : Management Discussion and Analysis for quarter 2-2018 To

excessive volatility in the global financial markets. The COVID-19 pandemic presents unprecedented challenges for our community and situation is evolving every day. Central Retail Corporation Public Company

“Boonterm Kiosk” is 130,357 kiosks, increasing 0.9% YoY, with total 23 million active subscribers and total 1.7 million transactions per day. Quarter Quarter Quarter Quarter Quarter 1/2019 2/2019 3/2019 4

such as the closure of some businesses, temporary reduce or change the working hours and the implementation of social distancing. These situation and measures have widely impacted the world economy many

Million Baht a decrease from the same period last year by approximately 1.11 Million Baht or 20.35% because of , the market condition decreased from the current situation. Please be informed accordingly

expense over earned premium moreover increased from 58.1 % in the same period last year to 63.5% this year because the term and condition of compulsory motor policies had been adjusted in accordance with

Section 105 Securities and Exchange Act B.E. 2535 Section 105. A securities company shall prepare its accounts stating true and accurate business operation and financial condition, which must conform

November 13 ,2020 Dear Director and The Manager of SET Re: Clarification on the Operating Result of Quarter 3/2020 Thailand economy’s condition of Quarter 3/2563 was continued to shrink by domestic