a CLMV country in April 2024. This will help to diversify the Company's revenue sources and create long-term growth. Significant Event a n d B u s i n e s s D i r e c t i o n : Trends of the

services.Our focus was on the development of new branch formats to accommodate service use of customers in relevant areas and to create a novel brand perception. We also enhanced service and sale efficiency with

create their own pancake at home. Management Discussion & Analysis Q2/2019 Overall Operating Results of the Company in Q2/2019 Q2/18 Q2/19 1H/18 1H/19 +/(-) (THB million) YoY 1H Operating Revenue 206 312

that can be Adjusted to Meet Customer Demands Create New Concept Store Creating Partnership to Increase Sales and Enhance Take-home Products Expand through Franchise Channel Enhance Dynamic Pop-up Store

lifestyle with Pop-up Store Create New Concept Store Continue building partnerships to expand service extensivity Expand through Franchise Channel Enhance Dynamic Pop-up Store 4 3 In Q3 and Q4/2020, After You

through franchise models • Focus on regional branch expansion throughout major cities in order to create opportunities to capture more customers • Target to expand to total of 100 branches by the end of

create awareness in the Hong Kong market. The Company also plans to open a second branch in Hong Kong in the third quarter of 2022. In the long term, the Company goal is to expand not less than 5 franchise

an excellent customer experience. We have collaborated with our partners, cross-industry and cross-border, to create ecosystem partnerships under the “KASIKORNBANK and Beyond” concept. All of these

customer experience. We have collaborated with our partners, cross-industry and cross-border, to create ecosystem partnerships under the “KASIKORNBANK and Beyond” concept, taking into account changing

clients in Malaysia and create an economy of scale, as well as reduce the overlapping business and conflicts of interest in South East Asia between the Company and MACO, which will be of utmost benefit to