Management clients using financial assets as collateral. Current outstanding loans totaled Baht 8,238 million, increasing by 3.7% from the end of 2018. NPLs distribution by loan type (consolidated) Type of

Management Discussion and Analysis For the first quarter ended March 31, 2020 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66-2495-1366

Management Discussion and Analysis For the first quarter ended March 31, 2020 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

DEVELOPMENT AND MANAGEMENT PUBLIC COMPANY LIMITED EASY BUY PUBLIC COMPANY LIMITED EASY LENDING COMPANY LIMITED EK-CHAI DISTRIBUTION SYSTEM COMPANY LIMITED EKACHAI MEDICAL PUBLIC COMPANY LIMITED EKARAT

distribution to boost the ratio of regular income and match the needs of the customers who would like to have a home but have not made a decision to buy one. The emphasis has been put on university students

Company’s management, documents provided by the Company, publicly available information as well as the IFA’s assessment of current economic conditions. Any significant changes to this information in the

1 Zen Corporation Group Public Company Limited 662 Soi Onnuch 17, Suanluang, Bangkok 10250 THAILAND. Tel: 02-0195000 24 February 2020 No. ZEN 2563-003 Subject Management Discussion and Analysis for

directors and/or the audit committee. This transaction of the disposition of such shares would be beneficial to both the Company and Planet in making the management more sufficiency and providing business and

operation of financial asset CIS that are offered to the general public: _______________ Total assets under management (latest available figures): in Home Economy ___________________________________ offered

, Amohoe Pluag-daeng, Rayong Branch 2 / 38 Moo. Tambon Tarsit, Amohoe Pluag-daeng, Rayong 1 KWM 002/2562 February 27th, 2019 Subject : Management Discussion and Analysis for the year ended December 31, 2018