Thailand Kiatnakin Bank Public Company Limited (“the Bank” or “KK”) submits the Management Discussion and Analysis (MD&A) report for the third quarter ended September 30, 2017 comparing operating performance

73 1 / 3 Pef. MD 004/2018 20th February 2018 Subj Management Discussion and Analysis (MD&A) of 2017 Dear Managing Director of Stock Exchange of Thailand We, Patum Rice Mill and Granary Public Company

141.23 million baht or 48.54 % when compared with Q1 / 2022 which cost of sales increased accord with the increase revenue. Profit (Loss) Net Equity of shareholders of the Company for Q1/2023 and Q1/2022

(Loss) Net Equity of shareholders of the Company for Q1/2024 and Q1/2023 was 72.24 million baht and 56.76 million baht, respectively. It increases 15.48 million baht or 27.27 % This is the fact that the

month period (Oct – Sec) 2016 (520.42) (212.69) Net Profit / (Net Loss) 12 month period (2,862.08) (1,495.63) Remark: Information from Financial Statement of the Company Calculation of Transaction Value

sales and service income at 707 million baht for and net loss 50 million baht. By order of the operating results for the Second quarter of 2020 and year 2019 are summarized below Company performance For

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

tax (28.05) (472.22) (17.75) (136.85) Tax - - - - Net Profit (loss) for the period (28.05) (472.22) (17.75) (136.85) Profit (Loss) attributable to owners of the Company (27.73) (466.84) (16.96) (130.76

IFRS16 implementation (THB 112mn), partially offset by a loan repayment which benefit the Company in reducing the business costs. Net loss was THB 806.6mn and net profit margin was (40.5%) compared to