1 Forth Smart Service Public Company Limited (FSMART) 3Q19 Management Discussion and Analysis Operational Summary in 3Q19  Net profit was Bt144mn, decreasing 1.1% YoY.  Total revenue from core

วันที่ 15 ตุลาคม 2545 1 NO. (SUTHA-SET) 003/2019/EN 26 February 2019 Subject: Management Discussion and Analysis of the Company and its subsidiary for the year ended 31 December 2018 To: The

situations that may incur losses to KBank, for increased efficiency in risk management, ensuring that KASIKORNBANK FINANCIAL CONGLOMERATE will be able to maintain long-term sustainable risk- adjusted returns

and innovations as well as health and food, and K Complex Return 1 Year A Fund (KCR1YA) as a medium-term alternative investment. Moreover, our customers can access new funds under management of other

-1- Ref. POL. 028/2020 February 25, 2020 Re: Management Discussion & Analysis of S & P Syndicate Public Company Limited Dear The President The Stock Exchange of Thailand S & P Syndicate Public

Ref. PDI/BK-BS-050/2019 9th August 2019 Re: Management Discussion and Analysis (MD&A) For the three-month and six-month periods ended June 30, 2019 To: President The Stock Exchange of Thailand PDI

1 Ref: AC.024/2019 3 August 2019 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

1 Ref: AC.017/2018 14 May 2018 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

(Current portion) 408 354 Debentures (Current portion) 243 252 Long term debt (Non-current portion) 3,329 3,609 Debentures (Non-current portion) 2,083 2,152 Cash & Cash under management 671 655 Cash and cash

with InsurTech platform. For the operation of debt management last year, the Company acquire distress debt amount 21,003 million Baht in term of outstanding balance of bad debt. The Company’s strategy is