73 1 / 4 Pef. MD 066/2019 8th November 2019. Subj Management Discussion and Analysis (MD&A) Q3/2019 Dear Managing Director of Stock Exchange of Thailand We, Patum Rice Mill and Granary Public Company

e-service Online Submission See canceled document Investment Advisory >> Business Operation Rules   Type Title Section See Document Status Notified Date Effective Date 1. Act   Securities and Exchange

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73 1 / 4 (Translation) Pef. MD 014/2020 14th May 2020. Subj Management Discussion and Analysis (MD&A) Q1/2020 Dear Managing Director of Stock Exchange of Thailand We, Patum Rice Mill and Granary

management of cost and expense Including internal work process improvements for greater efficiency. VII Financial Status Description December 31st, 2018 December 31st, 2019 Differentiate Million THB % Total

company licensed to undertake derivatives business; (2) “executive” means manager or person with power of management; (2/1) 1 “manager” means any person assigned by the board of directors of the company to

our status as a leading financial institution which can efficiently cope with potential economic uncertainties, KBank emphasizes predictive integrated risk management (IRM) through the establishment of