.  Ecosystem Orchestrator & Harmonized Channel: Orchestrating ecosystems with partners and providing excellent experiences throughout customer journeys  Intelligent Lending: Leverage customer data to offer

Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 12 Executive Summary Growth in both revenue and net profit demonstrates the effectiveness of retail

Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 13 Executive Summary Revenue and net profit have growth according to the business plan In 2Q18, the Thai

efforts of all units involved. KASIKORN SECURITIES PCL has developed investment technologies plus varied functions in alignment with investor behavior in the digital era, driving the company to garner a

spending, operators continued to offer fixed-speed unlimited data packages for prepaid and postpaid as a key acquisition strategy to capture value-for-money segment. The unlimited packages had been

Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 16 Executive Summary CPN’s revenues continues to grow primarily from strong rental business performance

Central Pattana Public Company Limited Management’s Discussion and Analysis (MD&A) Page 1 of 15 Executive Summary CPN’s revenues continues to grow according to its business plan. In 1Q19, the Thai

strengthen customer perception towards KBank as an “Embedded Trust” agent, offer products and services “Beyond Banking” and stay relevant to “Everyone, Every Day, Every Way and Everywhere” in order to deliver

to the Electricity Generating Authority of Thailand. In 2019, Glow Energy Public Company Limited has submitted an offer to sell electricity in accordance with the condition of the SPP Replacement

Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations