593.09 million was mainly due to the investment in short- term investment, repayment of long-term loans from bank, payment for the construction of the headquarter, training and distribution center and the

profit 0.06 0.0% (0.22) 0.0% (1.27) -0.2% 477.3% -2216.7% Profit before finance cost and income tax expenses 171.66 22.0% 121.25 18.2% 144.79 19.7% 19.4% -15.7% Bank charge (2.21) -0.3% (3.78) -0.6% (1.98

2016 diff % 1. Processing and packaging of rice 1,225 1,451 (226) -15.6% 2. Manufacturing and distribution of plastic bag - 23 (23) -99.9% 3. Food Centre 362 369 (7) -2.0% Less intercompany balance

of last year from Baht 50.79 million to Baht 62.24 million or increased by 22.5%.  Distribution costs for the 3nd quarter 2019 represented at 21.2% of revenue from sales while in 2018 was at 21.3

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

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

in short-term investment, repayment of long- term loans from bank, payment for the construction of the headquarter, training and distribution center and the expansion of the factory and new branches

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

1.2 Selling and distribution expenses 51,050 54,117 46,326 47,912 (3,067) (5.7) Administrative expenses 91,819 83,683 64,734 64,315 8,136 9.7 Total selling and administrative expenses 142,869 137,800