Management Discussion and Analysis For the fourth quarter and year ended December 31, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

under 1 Including SET and mai but excluding proprietary trading 2 Including selling agent fee which receive from Subsidiary Company 3 In addition to the investment revenue, HF also had foreign exchange

Including selling agent fee which receive from Subsidiary Company 3 In addition to the investment revenue, HF also had foreign exchange loss and advisory fee revenue totaling gain Baht 1 million and hedging

Management Discussion and Analysis For the fourth quarter and year ended December 31, 2018 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

efforts of all units involved. KASIKORN SECURITIES PCL has developed investment technologies plus varied functions in alignment with investor behavior in the digital era, driving the company to garner a

Osotspa Public Company Limited Q3’19 and 9M’19 Management Discussion & Analysis 13 November 2019 Q3’19 and 9M’19 Management Discussion & Analysis Page 1/6 Financial Highlights - Overall Q3’19 Net

(Translation) 14th November, 2017 Ref: SET-2017-020 Re: Management's Discussion and Analysis and operating results for the 3rd Quarter 2017 Dear: The President The Stock Exchange of Thailand Filter

underlying of the structured notes, for example, price of underlying shares of the company A, SET 100 Index, gold price, exchange rate. For more details on the underlying shall be prescribe according to the

Exchange of Thailand Attachment: Management Discussion and Analysis for the period ended 30 June 2019 Golden Lime Public Company Limited ( the “ Company” ) would like to report operating performance for 3

1 Ref: AC.028/2018 13 November 2018 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating