SAAM Energy Development Public Company Limited - 1 - 7 November 2019 Subject: Management Discussion and Analysis for the period ended 30 September 2019 To: The President The Stock Exchange of

Other income consist of interest income, dividend income and gain on investment. In Table 2 , The Company‘ s revenue structure comprises 2 business units , HR Solutions and Financial Solutions with HR

THB 80 million. The Company had cash flow spending for financial activities of THB 501 million, which was spent for repayment of long-term borrowing from financial institutions, dividend payment

Company Limited - Translation - Ref: IR61/007 26 February 2018 Re: Management Discussion and Analysis for Yearly Ending 2016 To: President The Stock Exchange of Thailand Pursuant to Jaymart Public Company

under Origin Sathorn Company Limited, which has started transferring and repay loans from financial institutions completely. Therefore, there is a capital reduction and dividend payment to shareholders

Management Discussion and Analysis For the first quarter ended March 31, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66-2841-5925

Management Discussion and Analysis For the first quarter ended March 31, 2019 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations