% Amount % Amount % Sales and services 3,586.96 99.90% 3,586.39 99.97% (0.58) (0.02%) 11,259.16 99.95% 10,336.49 99.96% (922.67) (8.19%) Cost of sales and services 3,289.04 91.60% 3,271.76 91.20% (17.28

has an appropriate capital management to optimize the efficiency of funding cost and the reduction of interest-bearing loans. The average funding cost for the year 2023 was increased to 2.99

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Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

6,529.7 6,903.4 (373.7) (5.4) Other Income 70.1 51.4 18.7 36.4 Cost of Sales and Service 5,414.9 5,882.8 (467.9) (8.0) Cost of equipment for lease 90.2 59.1 31.1 52.6 Selling Expenses 264.8 215.3 49.5 23.0