นาสูความเปนเลิศ ทั้งในดานพาณิชยและคุณภาพผลิตภัณฑอยางเปนมืออาชพี” August 14, 2020 Subject: Clarification on the cause of changes in operating results. To: Director and Manager The Stock Exchange

, other operating expenses rose Baht 765 million, or 5.03 percent over-year due in part to marketing expenses. As a result, our cost to income ratio increased to 41.20 percent from the same period of last

(Translation) NEP-AC 003/2563 13 Aug 2020 Subject: Management Discussion and Analysis for Q2 end of 30 June 2020 To : The President The Stock Exchange of Thailand Operating Result NEP Realty and

Website: www.kiatnakin.co.th http://www.kiatnakin.co.th/ 2 Management Discussion and Analysis (MD&A) For the first quarter ended March 31, 2019 comparing operating performance and financial position for the

agricultural industry and investment projects in electricity production from renewable energy. Moreover, small and medium sized businesses’ loan demand also slightly increased due to the need for working capital

% 8.57 8.11 5.6% Net interest margin 2.31% 2.35% 2.27% (0.04)% 0.04% 2.33% 2.33% - Net fees and service income to operating income ratio 22.7% 24.7% 24.1% (2.0)% (1.4)% 23.7% 23.4% 0.3% Expense to

: Navigating the Information Security Landscape" for company directors, executives, personnel of medium and small-sized listed companies, SMEs, and crowdfunding issuers. The webinar aimed to enhance the

promote fundraising opportunities for small and medium-sized enterprises (SME), aiming to support access to capital as part of the transition to green economy. The event took place on 26 August 2024.

Mr. Kanchit Sukjaimitr Mr. Kanchit Sukjaimitr, Authorized director of Small Enterprise Development Co., Ltd ("SED"), shall be liable for SED’s offering for sale newly issued securities in

Operating Results 1. Organizational structure and operation of the group of companies 3 2. Risk management 12 3. Business sustainability development 13 4. Management discussion and analysis (MD&A) 17 5