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

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

Management Discussion and Analysis For the first quarter ended March 31, 2021 (Unreviewed) Kiatnakin Phatra Bank Public Company Limited Investor Relations Email: investor_relations@kkpfg.com Tel. +66

benefited from TTTBB enterprise revenue consolidation. Market and Competitive Environment In FY23, the Thai economy sustained modest growth, driven by private consumption and the recovering tourism sector

seen growth recovery, driven by increased economic certainty and political stability, boosting confidence in both public and private sector spending. Key transformations continue in connectivity services

public sector and the campaign to use the renewable energy by many organization. In 2016, the volume of Palm Oil for Biodiesel production is 0.89 million ton increasing from 0.83 million ton in 2015 or

public offering of newly issued shares by a foreign company whose shares have not been traded on any foreign exchange, in order to [i] have such shares listed on the Stock Exchange of Thailand or [ii

percent, driven mainly by a favorable growth of the global economy which positively impacts on export sector, an acceleration of public investment along with the progress of key investment projects and