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

purpose of reducing the deficit in the separate financial statements of the Company. 5 November 2018: U City’s ordinary and preferred shares start trading at new par value. The reverse stock split which

) AAPICO HITECH PUBLIC COMPANY LIMITED Ref No: AH 02082023 August 11th, 2023 Subject: Management Discussion & Analysis (MD&A) for the Financial Statements of the 2nd Quarter of Fiscal Year 2023 Ended as of

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

capital position was robust. As evidenced, capital adequacy ratio (CAR) of KASIKORNBANK FINANCIAL CONGLOMERATE (the Conglomerate) according to the Basel III Accord was 18.12 percent, with a Tier 1 capital

below the manager, all persons holding positions equivalent to the fourth highest person on the management level, including persons holding a manager position in the accounting or finance department or

of the SEC Office; “director” means any director on the board of directors of an organisation; “executive” means the following persons: (1) person holding the highest executive position of the

consumption) NNP = Normalized net profit O&M = Operations and maintenance P.A. = Per annum PEA = Provincial Electricity Authority (Thailand) PPA = Power purchase agreement PTT = PTT Public Company Limited SG&A

Management Discussion and Analysis For the first quarter ended March 31, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66-2495-1366