9 WATTANAPAT HOSPITAL TRANG PUBLIC COMPANY LIMITED No. WPH – SET 002/2020 21 February 2020 Subject : Management Discussion and Analysis for the fiscal year ended on 31 December 2019. To : Directors

turnovers (shared 25% from personal loan and 5% from purposed loan for mobile phone, IT products, electrical appliances and etc. at department stores and over 6,307 dealers nationwide) with the consolidated

will replace mobile banking. Others like Alibaba, Google, Tencent and Amazon may come to compete with LibraImpacts to the Public Sector: The public sector may not be able to collect data for fiscal

Derivative Warrants | SIM42C1607A | DERIVATIVE CALL WARRANTS ON SAMART I-MOBILE PUBLIC COMPANY LIMITED ISSUED BY MAYBANK KIM ENG SECURITIES (THAILAND) PUBLIC COMPANY LIMITED LAST TRADING IN JULY 2016

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% ATMs (machine) 404 147 Affiliated Dealers 6,272 6,132 2 Summary of Consolidated Financial Results 1. Operating Results Revenues In the first half of fiscal year 2022, the total consolidated revenues were

Company’s total cards reached 8.92 million cards, increased by 5% from the end of fiscal year 2018 (including 2.82 million credit cards, increased by 8% from the end of last year and 6.1 million member cards

, loans shared 25% of total turnovers (shared 19% from personal loan and 6% from purposed loan for mobile phone, IT products, electrical appliances and etc. at department stores and over 6,660 dealers