Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

. As a result the operation in the 3rd quarter of , decrease as significantly. These successes are the result from management policies and key expenses in , to prepare us for market expansion and growth

network expansion led to increasing cost of service 3.9%YoY and 3.4%QoQ; however, SG&A was well-managed and dropped -12%YoY and -8.8%QoQ, resulted in stabilized EBITDA with -0.9%YoY and +1.6%QoQ. Net profit

  Management Discussion and Analysis, Q3/2018 Page1

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Management Discussion and Analysis (MD&A) for the year of 2018 Page 1/7 Jaymart Public Company Limited

Ref. AU 011/2017 - Translation - 11 August 2017 To: Director and the President The Stock Exchange of Thailand Management Discussion and Analysis for the six-month period ended 30 June 2017 After You

After You Pcl. 1319/9 Pattanakarn Rd. Suanluang, Bkk 10250 Thailand E-mail : ir@afteryou.co.th www.afteryoudessertcafe.com Page 1 of 5 Ref. AU 10 /2018 11 November 2018 Subject: Management Discussion

Management Discussion & Analysis( - translation - ) For operating result of 1Q18,ending 31 March2018 Raimon Land Public Company Limited| 14May2018 1 / 5 Major Eventsin 1Q18 and April 2018 February

, and 1,722.70 million baht for year 2016, 2017, and 2018 respectively. As can be seen, the revenue from sale increased continuously every year. In the year 2018, increased orders and the market expansion