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

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

, please contact Investor Relations Section of the Electricity Generating Public Company Limited at Tel: 662-998-5145-8 or Email: ir@egco.com Page 2 Management Discussion and Analysis 1. Power Industry and

company of 465.05 million Baht, decreased by 144.42 million Baht or -23.70%. ง Income statement (Million Baht) For the three-month period For the six-month period Q2/2020 Q2/2019 YOY % 1H/2020 1H/2019 YOY

, which may affect certain business sectors. Regarding the Thai monetary policy, the Bank of Thailand’s policy rate is expected to stay at a low 1.50 percent for the entire year to accommodate domestic

through higher value packages as well as cross-sell upsell to uplift the ARPU. The company is also committed to bringing more value to customers with various partnership offerings in contents, products, and

with the fact that the company pegged its retail price in April during the long holiday to support domestic commute, essentially lowering retail marketing margin 3. As of Q2/2018, the total number of BCP

at the top of the mutual fund business. KASIKORN LEASING CO., LTD. saw satisfactory lending business volume in line with the overall domestic automotive industry while also maintaining healthy asset