and paying agent……………….. Warning: “Prior to making an investment decision, investors should exercise their own judgment when considering detailed information relating to the issuing company of the

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

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ลงทุน รวมทั้งก าหนดอัตราส่วน การลงทุนในผู้ออกรายใดรายหนึ่ง (“company limit”) ไม่เกินร้อยละ 25 ของมูลค่าทรัพย์สินสุทธิ (“NAV”) ซึ่งหลักเกณฑ์ดังกล่าวมีผลใช้บังคับเมื่อวันที่ 1 เมษายน 25561 ในระยะถัดไป คือใน

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supervision of personal loan business to include car title loan, to allow grassroots-level consumers improved access to loan at a reasonable cost and ensure fair conditions for them.  Revise criteria to allow

consumption, private investment and public spending. Under these circumstances, Thai economic growth in the first quarter of 2018 may be almost on par with the level seen in the final quarter of last year

for any potential impacts on our loan level, deposits and liquidity, both short- and long-term, to ensure that we adopt appropriate fund-raising strategies. 2.4 Operational Risk KBank has conducted

detailed information relating to the issuing company of the securities and the conditions of securities, including the suitability for investment and the relevant risk exposure. The effectiveness of this