from the funds transferred to his personal bank accounts. The acts of Mr. Ngeonwasawat are liable to operating derivatives business without license in contravention of Section 16 of the Derivatives Act

) , Section 98(3) (5) and (7), the second paragraph of Section 100, the first paragraph of Section 109, Section 114, Section 115, Section 116 and Section 117 of the Securities and Exchange Act B.E. 2535 (1992

No. IIG 001/2020 31 July 2020 Subject: Management discussion and analysis for the first quarter of 2020 Attn: Governors and President Market for Alternative Investment (mai) I&I Group Public Company

increased . 1.2 Cost of hospital operations increased by Baht 33.70 million or 7.89% mainly due to the Medical personal expenses also increased because of the expanding capacity of subsidiaries. 1.3 Selling

Plengkham, Director of the Inspection and Supervision Department, the Office of the Personal Data Protection Commission (PDPC)Mr. Kittinan Srimongkol, Director of the Personal Data Protection Supervision

its subsidiaries for the first quarter of the year 2019 was totally Baht 458.81 million decreased from the first quarter of the year 2018 which was Baht 516.51 million for Baht 57.70 million or -11.2

year from the growth in tourists in key markets such as Malaysia, India, South Korea, Japan and Russia. The number of Chinese tourists also exhibited an increase during December 2018, the first increase

Management Discussion and Analysis For the first quarter ended March 31, 2021 (Unreviewed) Kiatnakin Phatra Bank Public Company Limited Investor Relations Email: investor_relations@kkpfg.com Tel. +66

e-KYC service and by the end of 2019, it is expected to have the SIM Card selling with e-KYC service kiosk for all mobile operators. For Loan business (Personal Loan / Nano Finance/ Car for cash) will

majority of selling expense was sale personal expenses and logistic expenses. This year, the Company and its subsidiaries have no obligation to reserve doubtful debt as in the first quarter of the previous