Management Discussion & Analysis of Business Operation Bangchak Corporation Public Company Limited For the 2nd quarter ended June 30th, 2018 Management Discussion and Analysis of Business Operation

signed a strategic partnership with Dossen International Group, one of the fastest growing hotel groups in China, to develop brand in China. The 2nd quarter of 2017, the Company has total revenue in the

Management Discussion and Analysis For the fourth quarter and year ended December 31, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

Management Discussion and Analysis For the fourth quarter and year ended December 31, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the fourth quarter and year ended December 31, 2018 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the first quarter ended March 31, 2020 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66-2495-1366