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

, Bangkok 10900, Thailand Fax : (662) 936-1669 ทะเบียนเลขท่ี 0107554000097 Registration No. 0107554000097 HYDROTEK PUBLIC COMPANY LIMITED บริษทั ไฮโดรเท็ค จ ำกดั (มหำชน) (Translation) No. 089/1060 9 October

Quarter ended 30 September 2020 Page 3/19 Thailand's Private Sector Collective Action Coalition Against Corruption Certificate LH Financial Group Public Company Limited, Land and Houses Bank Public Company

. Private consumption has tended to slow down due to lower income and employment rate, especially in the export sector. In addition, consumers' purchasing power is still affected by high household debt and

1 Ref FN. 047/2019 Management Discussion and Analysis For operation of the third quarter of year 2019 FN Factory Outlet Public Company Limited was founded in 2000 and has been operated the outlet

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. Information Memorandum regarding the offering of the newly issued ordinary shares to specific investors (Private Placement) 3. Capital Increase Report Form (F53 N.D. Rubber Public Company Limited (“ No.5/2017

impacted by declining global demand, which has also led to a deceleration of private consumption as a result of lower employment, particularly in export- related manufacturing sectors. Elevated household

1 Ref FN. 007/2020 Management Discussion and Analysis For operation of the year 2019 FN Factory Outlet Public Company Limited was founded in 2000 and has been operated the outlet business, featuring

at a slower rate than the same period last year. Supporting factors included an increase in private consumption from both the agricultural sector (driven by an increase in rice prices) and the non