[COMPANY NAME] Ref.: EFORL IR037/2020 September 11, 2020 Subject: Management Discussion and Analysis Quarter 2 Ending 30 June 2020 To President The Stock Exchange of Thailand 1. Overview financial

  3/ Certified Thailand Sustainability Investment 4/ Thailand Sustainability Investment THSI (SET) Ranking by Industry Business 4/ Business Kiatnakin-Phatra Financial Group consists of commercial

Page 1 of 3 GEL.CS.001/2563 2 March 2020 Subject: Management Discussion and Financial Analysis for the operating results as at December 31, 2019 To: Director and Manager The Stock Exchange of

would like to explain and analyze the operating results that have changed for Quarter 3 Ending 30 November 2019 with the following details: Unit : million baht Statement of financial position for the 3

financial institutions. A summary of the key operational matters and events for the 1st Quarter 2018 GFPT Group had total revenue from sales of THB 3,958.50 million in 1Q2018, representing a decrease of THB

several financial institutions. A summary of the key operational matters and events for the 1st Quarter 2019 Overall financial performance of GFPT Group in 1Q2019 improved from the same period last year

Group Public Company Limited (the “Company” or “CBG”), are pleased to submit management discussion and analysis regarding consolidated financial performance and position of the Company and subsidiaries

thoroughly affected, and this negatively impacts private consumption, along with exacerbated financial vulnerability among households and businesses, which will require assistance and time to recover. The

decreased at similar rate to the decrease in total revenue. In addition, in 2022, the Company recorded the impairment loss on financial assets by 96. 8 MB and the Fair value loss on FVTPL equity instrument by

หนี้สินท่ีมีภาระ ดอกเบี้ยท้ังหมด (8) อัตราสวนเงินกูยืมจากสถาบันการเงินตอหนี้สินรวม * ในกรณีท่ี key financial ratio รายการใดไมเหมาะกับประเภทธุรกิจของผูออกตราสารหน้ี สามารถปรับรายการดังกลาวใหเหมาะ