Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

services through Rabbit Group. Rabbit Group is a lifestyle solutions company that owning an extensive database of users and data analytics capability. The synergy with Rabbit Group enables MACO to provide

82.1 1,933 48.8 109 28.1 14 33.9 196 57.7 181 35.7 175 71.2 40 59.5 21 48.1 102 Company B mpany’s net p the second q the second q million baht 2017 equal ncreased at 2 of 2017 stoo last year. An n

Osotspa Public Company Limited Q3’18 and 9M18 Management Discussion & Analysis 14 November 2018 Q3’18 and 9M18 Management Discussion & Analysis Page 1/7 Financial Highlights Q3’18 profit attributable

2,839.1 67.0 Total Operating Expenses 6,532.6 3,887.7 2,644.9 68.0 Profit (Loss) 392.1 236.8 155.3 65.6 For the Company’s performance in 2019, the Company had achieved the highest total revenue since the

Osotspa Public Company Limited Q2’19 and 1H’19 Management Discussion & Analysis 14 August 2019 Q2’19 and 1H’19 Management Discussion & Analysis Page 1/6 Financial Highlights - Q2’19 Net profit* was

Administrative Expenese due to accounting adjusted of doubtful debt amounted of Baht 22.5 million in 1Q2018 and professional fee for new projects according business plan; ii) 10.5% decrease of Other Income from

of Administrative Expenese due to accounting adjusted of doubtful debt amounted of Baht 22.5 million in 1Q2018 and professional fee for new projects according business plan; ii) 10.5% decrease of Other

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