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

revenue from sales and service per total operating days of the same branch Other income grew from THB 33.7 Mn in 2017 to THB 42.5 Mn in 2018, an increase of THB 8.8 Mn or 26.2%. This increase was mainly due

1 (Translation) MD. 083/2019 May 8, 2019 Re: Management Discussion and Analysis For the Operating Results ended March 31, 2019 To: President The Stock Exchange of Thailand Management Discussion and

(Translation) NEP-AC 003/2562 14 August 2019 Subject: Management Discussion and Analysis for Q2 ended of 30 June 2019 To : The President The Stock Exchange of Thailand Operating Result NEP Realty and

Page 1 of 4 GEL-ACC621536 14 August 2019 Subject: Management Discussion and Financial Analysis for the operating results of the second quarter of 2019, ended June 30, 2019 To: Director and Manager

with business reorganization in order to enhance corporate efficiency and growth contributing to favourable operating results by achieving gross profit margin and EBITDA since Q1-2020. UWC Group’s

1 Ref: AC.017/2018 14 May 2018 Subject: Management discussion and analysis of financial position and operating results To: President and Manager The Stock Exchange of Thailand Overall operating

/ Company Tax ID : 0107545000021 Calculation Basis Formula Transaction Size 2. Calculation based on net operating profits (Net operating profits of the investment x Buying or selling ratio) x 100 Net

. Calculation based on net operating profits (Net operating profits of the investment x Buying or selling ratio) x 100 Net operating profits of the listed company** ** In case the company produces consolidated

1 RP-AC 004/2019 NOVEMBER 13, 2019 Subject: Clarification of the operating results for the third quarter of 2019 To: Directors and Managers of the Stock Exchange of Thailand Richy Place 2002 Public