Management Discussion and Analysis For the first quarter ended March 31, 2020 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66-2495-1366

Management Discussion and Analysis For the first quarter ended March 31, 2020 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

Management Discussion and Analysis for the First Quarter of Year 2018 Business Overview Business overview of One to One Contacts Public Company Limited and its subsidiaries (“the Group”) for the

Management Discussion and Analysis for the Year 2018 Business Overview Business overview of One to One Contacts Public Company Limited and its subsidiaries (“the Group”) for the year 2018 compared to

Management Discussion and Analysis for the Year 2019 Business Overview Business overview of One to One Contacts Public Company Limited and its subsidiaries (“the Group”) for the year 2019 compared to

statements.  Qualified businesses will enjoy various privileges; for example, join training courses on capital market and other related matters in preparation for becoming a publicly traded company, obtain

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2020 (Unreviewed) Kiatnakin Phatra Bank Public Company Limited Investor Relations Email: investor_relations

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Company expects that once the Project is open for business, it will enhance the Company’s earnings and sustainable business growth opportunity, generating profits and cash flows to the Company in the near

Central Retail Corporation Public Company Limited Page 1 20 February 2020 Re: Management Discussion and Analysis Operating results for the three-month and nine-month period ended September 30, 2019