GFPT Public Company Limited Interim Management Discussion and Analysis for the 1st Quarter 2018 Page 1 of 11 Management Discussion and Analysis This interim MD&A report has been prepared based on the

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(THIS REPORT DISCUSSES PRINCIPAL CHANGES ON THE UNREVIEWED AND UNAUDITED CONSOLIDATED FINANCIAL STATEMENT) LH FINANCIAL GROUP PUBLIC COMPANY LIMITED MANAGEMENT DISCUSSION AND ANALYSIS FOR THE THIRD

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Management Discussion and Analysis For the first quarter ended March 31, 2019 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

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management costs and increase efficiency in business management, including salary payroll, bulk payment for retail fund transfer to another bank, bill payment for products and services via the bank and direct

distribution to online channels in both domestic and international markets through various direct and indirect online partners. Thus far, consumer’s feedback have been on the positive site. The Company gross

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