Management Discussion and Analysis For the first quarter ended March 31, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66-2495-1366

, recognized the joint venture profit over 141.3 million baht (According to the proportion of holding 51%), and management of expense Including internal work process improvements for greater efficiency. PAGE 8

743.1 million baht. Even though the COVID- 19 pandemic bringing significant disruption to business, The Group still maintains the profit attributable to equity holders of the company amount of 707.1

in water management project of its subsidiary. 7. Income tax expense increased from the quarter 2/2016 in amount of 2.64 million Baht due to the Company had taxable profit for the three month period

from disposals of real estate 862.7 98.3 1,986.7 80.3 1,124.0 130.3 Revenues from project management - - 408.5 16.5 408.5 100.0 Other income 15.2 1.7 78.5 3.2 63.3 416.1 Total Revenues 877.9 100.0

84.3 3,588.4 177.3 Revenues from project management - - 603.7 9.1 603.7 100.0 Gain from transfer of right for land purchase and sale agreements - 312.0 4.7 312.0 100.0 Other Income 30.2 1.5 129.0 1.9

share of profit from investment in associates after the reclassification of the investments, in accordance with (Translation) Bangkok Expressway and Metro Public Company Limited Management Discussion and

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

-Translated Version- No. ECF2 032/2020 14 August 2020 Subject: Management Discussion and Analysis of the 2nd quarter and 6-month period ended 30 June 2020 To President The Stock Exchange of Thailand

Microsoft Word - MD&A Q1Y2020 _E_ - Final RATCH Group Public Company Limited Management Discussion and Analysis For the 1st Quarter Ended 31 March, 2020 Management Discussion and Analysis For the 1st