of house and condominium due to the delay in ownership transfer of some group of customers and 71% decline in revenue from rental and services which mainly derived from temporally suspension of

Management Discussion & Analysis 2022 1 I 9 Branches upcountry 86% Bangkok and vicinity 14% Revenue structure categorized by business groups (Unit : Million Baht) 2021 2022 Increase (Decrease) %YoY Amount

quality remained in concerns. The Company, therefore, proceeds with high-risk financial products with caution, as well as, expands the target group to customers with more stable incomes. As of May 31, 2024

in a new Ft rate at -15.90 Sa-tang per unit and electricity charge at 3.5966 Baht per unit (before VAT). Furthermore, ERC is studying to adjust the power structure, which will be effective during 2018

of the following manners: 1. having a possibility to be unable to treat shareholders fairly by giving benefits to any group of shareholders, which will create an advantage over other shareholders or

consolidated risk management framework that emphasizes management of risks, e.g., credit, market, liquidity, operational, digital and strategic risks. KBank’s risk management structure clearly determines duties

. Celebrated an opening of Central i-City, the first international retail property with a soft opening on March 23, 2019 and grand opening on June 15, 2019. The Company and the i-Berhad Group, a leader in real

Management Holding Limited (“ASMH”). ASMH is a holding company investing in various businesses, owned by a group of persons, consisting of three members, namely Mr. Kin Chan, Ms. Angie Yick Yee Li and Mr. V

Malee Group Public Company Limited and Its Subsidiaries Management Discussion and Analysis For the Fourth Quarter and the Year Ended 31 December 2018 1. Q4/2018 Highlights Figure 1: Quarterly results

31 December, 2016, 2017 and 2018 and for nine-month period ended 30 September, 2018 and 2019. The Company has a revenue structure consisting of (1) Interest income – net (2) Gain/ loss on investment in