P a g e 1 | 7 Management Discussion and Analysis For the nine-month period ended September 30, 2017 The analysis of consolidated financial position as at 30 September 2017 The group’s assets

P a g e 1 | 8 Management Discussion and Analysis For the nine-month period ended September 30, 2017 The analysis of consolidated financial position as at 30 September 2017 The group’s assets

The Stock Exchange of Thailand 1. Analysis of Overall Operating Results and Financial Position of the Company and its subsidiary 1.1 Analysis of Overall Operating Results for the Company and its

public auditor as follows: Overall performance results of the Company for the three-month period ended 31 March 2020, compared to the same period of the previous year were highlighted as below; (Unit

auditor as follows: Statements of Comprehensive Income for the 2nd Quarter Ended June 30, 2020 Operation : Consolidated Profit & Loss Statement 2Q 2Q % Unit : THB million 2020 2019 change Revenue from Non

affected by the spread of COVID-19 as follows: Revenue Unit: Million Baht Q1/19 Q4/19 Q1/20 Consolidated Statement Revenue 194.29 222.62 167.85 Profit(loss) from exchange rate 0.54 0.35 0.20 Other Revenue

pursuant to the consolidated financial statements in the amount of THB 78 million, significantly decreased from the same period of the previous year by THB 165 million, equivalent to 188.7 percent. Overall

the consolidated financial statements of the Company and its subsidiaries for the first quarter ended 31st March 2020. The Company reported a consolidated loss (attributable to equity holders of the

“Company” or “we” or “our” or “us”) would like to inform management discussion and analysis for its results of operations from the consolidated financial statements for the nine months period ended September

-2495-1366 Website: www.kkpfg.com http://www.kiatnakin.co.th/ 2 Overall Business Operations The Bank continued to deliver solid performance during 1Q21 with the consolidated net profit of the Bank and