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

Ref. PDI/BK-BS-064/2019 12th November 2019 Re: Management Discussion and Analysis (MD&A) For the three-month and nine-month periods ended September 30, 2019 To: President The Stock Exchange of

เติมทรัพย์ 15,187,500 2.53 8. นาย อิสสระ ถวิลเติมทรัพย์ 14,045,000 2.34 9. น.ส. ชลนที ถวิลเติมทรัพย์ 13,880,000 2.31 10. นาย ธีรวัฒน์ ถวิลเติมทรัพย์ 13,750,000 2.29 Management Position 1. Mr. SUTHEP

TUNGCHARU 35,500,000 1.28 9. นาย KACHONSAK DILOKKANLAYAKUL 30,400,000 1.10 10. น.ส. อำพร ศรีโพธิ์ทอง 30,227,000 1.09 Management Position 1. Mr. CHARLIE JANGVIJIKUL CHAIRMAN OF THE BOARD / INDEPENDENT DIRECTOR

Samutprakarn, Samutprakarn 10280, Thailand Tel. 66 2323 1085..96 Fax. 66 2323 9283 (Translation) August 10, 2017 Subject: Management Discussion and Analysis (MD&A) of Q2/2017 To: Director and manager The Stock

investment of a new company 3.1 Name of new company MBK Food Service Company Limited (“MBK-FSV”) 3.2 Nature of Business Operation Management raw materials, products finished goods, Semi-finished goods 3.3

(Translation) LEE 08/2019 9 August 2019 Subject : Management Discussion and Analysis for the second quarter ended June 30, 2019 To : President of The Stock Exchange of Thailand We submit herewith the

1 - TRANSLATION - KT/PB (Q-Con) 004/2019 February 4,2019. Attention Managing Director The Stock Exchange of Thailand Subject : Management Discussion and Analysis for year 2018 Quality Construction

1 - TRANSLATION - (Q-Con) 0012/2020 August 10, 2020. Attention Managing Director The Stock Exchange of Thailand Subject : Management Discussion and Analysis the second quarter ended 30 June 2020

favorable returns. Some SMEs operators see PE as treat to the ownership of the business or as possible business takeover. In fact, PE will facilitate strengthening of businesses in terms of funds, management