management costs and increase efficiency in business management, including salary payroll, bulk payment for retail fund transfer to another bank, bill payment for products and services via the bank and direct

distribution to online channels in both domestic and international markets through various direct and indirect online partners. Thus far, consumer’s feedback have been on the positive site. The Company gross

ที่ FPI Ref. FPI.001/2020 25 February 2020 Subject : Management Discussion & Analysis of Performance Results of the year ended 2019 To : Board of Directors and President of The Stock Exchange of

ที่ FPI Ref. FPI.006/2019 14 August 2019 Subject : Management Discussion & Analysis of Performance Results of Quarter 2/2019 To : Board of Directors and President of The Stock Exchange of Thailand

ที่ FPI Ref. FPI.007/2019 14 August 2019 Subject : Management Discussion & Analysis of Performance Results of Quarter 2/2019 (edit) To : Board of Directors and President of The Stock Exchange of

Management Discussion and Analysis For six-month period ended June 30, 2020 Bangkok Commercial Asset Management Public Company Limited 99 Surasak Rd., Silom, Bangrak, Bangkok 10500 Thailand Tel: 0

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-month ended June 30, 2019 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

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