Increase/(Decrease) Baht million Baht million Baht million % Revenue from Sales and Services 388.0 422.0 34.0 8.8 - Operating Revenue1 377.6 420.6 43.0 11.4 - Other Income from Utilities Business2 10.4 1.4

1 Ref: AC.006/2019 25 February 2019 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

Page 1 of 4 GEL.CS.006/2562 14 November 2019 Subject: Management Discussion and Financial Analysis for the operating results of the third quarter of 2019, ended September 30, 2019 To: Director and

Limited would like to explain and analyze the operating result of the change for the year 2019 ending December 31, 2019 with the details as follows: Unit : million baht Statement of financial position 2019

(Translation) NEP-AC 001/2560 10 August 2017 Subject : Management Discussion and Analysis for 2nd Quarter ended 30 June 2017 To : The President The Stock Exchange of Thailand Operating Result NEP

the operating results of the Company and its subsidiary, please kindly find the following attachment. Please kindly be informed accordingly. You’re faithfully, Mr. Geza Emil Perlaki Managing Director

Gross Margin 7.42% -2.09% Net Profit Margin -12.37% -14.39% Debt to Equity Ratio (Time) 8.96 5.88 Total Expenses The 3-month Operating Result as ended 30 June 2017 Construction Income In the 2nd quarter

(Translation) NEP-AC 002/2560 9 November 2017 Subject : Management Discussion and Analysis for 3rd Quarter ended 30 September 2017 To : The President The Stock Exchange of Thailand Operating Result

) -0.09 -0.23 Gross Margin 4.53% -6.63% Net Profit Margin -15.27% -25.30% Debt to Equity Ratio (Time) 13.51 6.92 Total Expenses The 3-month Operating Result as ended 30 September 2017 General Information

Kiatnakin Bank Public Company Limited (“the Bank” or “KK”) submits the Management Discussion and Analysis (MD&A) report for the year ended December 31, 2017, comparing operating performance and financial