period of the previous year according to the increasing in revenue from sales, Then, the Company has 59.89 million Baht of gross profit, representing 12.42 percent which decreased from same period of the

GFPT Public Company Limited Interim Management Discussion and Analysis for the 3rd Quarter 2019 Page 1 of 13 Management Discussion and Analysis This interim MD&A report has been prepared based on the

company and its subsidiaries’ cost of construction in this 3rd quarter of 2018 was Baht 87.62 million whereas Baht 63.58 million in the same quarter of 2017 increasing Baht 24.04 million or 37.81% increase

Junction branches that could not achieve its target performance. In the past year, the Company closed a total of 5 branches. However, the Company has adjusted its operating strategies by increasing sales

to increasing of short-term liabilities under financial lease according to financial lease – medical equipment lease. Shareholders’ Equity As at June 30, 2017, the Company has shareholders' equity at

ordinary shares) amounting to THB 1,429 million resulting to increasing in equity. 2. The Company had the net loss for the six months period contributed of THB 504 million. 5 G J Steel Public Limited

. In 1Q/2019, the Company has a loss of Baht 40 million, increasing loss by 121% because Wuttisak clinic recognised gain on sale asset from franchise agreement of Baht 309 million. This results that the

2020 had a revenue to external customers of 20.70 million baht, increasing 6.10 million baht, or 41.74% from the same period in 2019. Since HM partly manufactures its products to support the Company

Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66