while other non-interest income declined yoy. Overall operating expenses also declined from effective cost management when comparing to the same period last year. The Bank continued to remain prudent when

บทรายงานและการวิเคราะห์ของฝ่ายบริหาร Management Discussion and Analysis For the Financial Result of Quarter 2 Year 2020 Ended June 30, 2020 Note: This Management Discussion and Analysis (MD&A) was

herewith the explanation and analysis of the Management for the 1st quarter of 2020 ended 31 March 2020 as follows. 1. Income, gross profit, net profit Unit : Million Baht 1. Income 2020 2019 2018 Increase

-Translation- Ref. EIC-AD017/2018 May 15, 2018 Subject: Management Discussion and Analysis for the Quarterly Performance Ending March 31, 2018 To: President The Stock Exchange of Thailand Reference is made to

SAAM Energy Development Public Company Limited - 1 - 7 August 2020 Subject: Management Discussion and Analysis for the period ended 30 June 2020 To: The President The Stock Exchange of Thailand SAAM

- Translation – Ref. EIC-AD035/2018 November 13, 2018 Subject Management Discussion and Analysis for the Six-Month Period Performance Ending September 30, 2018 To President The Stock Exchange of Thailand The

No.SN.LK.62/11.0001 November 7, 2019 Subject: Management Discussion and Analysis Quarter 3 ending 30 September 2019 Attention: The President The Stock Exchange of Thailand Indara Insurance Public

(59.64) -13.5% Cost 348.48 384.03 Gross profit 34.96 59.05 (24.09) -40.8% Gross profit margin 9.1% 13.3% Other income 1.04 0.14 0.90 Selling & Admin expenses 28.14 33.31 (5.18) -15.5% 7.3% 7.5% Finance

No. ADD 20/2023 10 August 2023 Subject: Management discussion and analysis for the performance for the six-month period ended 30 June 2023 To: President The Stock Exchange of Thailand AddTech Hub

promoting of long-term investment for its members to reach the adequacy of future income after retirement. In recent times, SEC had been encouraging the PVD, which is an institutional investor, to