The commercial banking sector in Thailand continues to face challenges from the business environment and ongoing changes in regulations. However, operating results in the second quarter of 2019 improved

government’s order, we have closed fashion and hardline (Non-food) stores, while our food store remains operational to serve customers’ demand on essential consumer products. In addition, Central retail has

for experimenting and developing an innovation in a controlled environment to support provision of services related to capital market. “ approved person ” means a person who is approved by the SEC

experimenting and developing an innovation in a controlled environment to support provision of services related to capital market. “approved person” means a person who is approved by the SEC Office to participate

-2495-1366 Website: www.kiatnakin.co.th http://www.kiatnakin.co.th/ 2 Management Discussion and Analysis (MD&A) For the fourth quarter and year ended December 31, 2018 comparing operating performance and

@kiatnakin.co.th Tel. +66-2841-5925 Website: www.kiatnakin.co.th http://www.kiatnakin.co.th/ 2 Management Discussion and Analysis (MD&A) For the second quarter and six months ended June 30, 2018 comparing operating

. +66-2841-5925 Website: www.kiatnakin.co.th http://www.kiatnakin.co.th/ 2 Management Discussion and Analysis (MD&A) For the second quarter and six months ended June 30, 2018 comparing operating

operating performance and financial position for the third quarter and nine months ended September 30, 2018 with those of 2017. This report discusses principal changes in the unreviewed consolidated financial

operating performance and financial position for the third quarter and nine months ended September 30, 2018 with those of 2017. This report discusses principal changes in the reviewed consolidated financial

@kiatnakin.co.th Tel. +66-2495-1366 Website: www.kiatnakin.co.th http://www.kiatnakin.co.th/ 2 Management Discussion and Analysis (MD&A) For the fourth quarter and year ended December 31, 2018 comparing operating