Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

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

DCORP 042/2019 August 13, 2019 Subject Report on the overall operation for second quarter of the year 2019 ended June 30, 2019 and the decrease in the overall operation more than 20 percent Attn President

interest and taxes (EBIT) based on NEXT’s operating performance reported in the audited financial statements for the year ended December 31, 2 0 2 0 (the “Financial Statement”), and the amount shall not

DCORP 050/2019 November 12, 2019 Subject: Report on the overall operation for first 9 months of the year 2019 ended September 30, 2019 and the decrease in the overall operation more than 20 percent

earnings before interest and taxes (EBIT) based on NEXT’s operating performance reported in the audited financial statements for the year ended December 31, 2 0 2 0 (the “Financial Statement”), and the

DCORP 025/2020 May 13, 2020 Subject: Management Discussion and Analysis – Explanation of net profit for the quarter ended March 31, 2020 and the increase in the overall operations of more than 20 percent

DCORP 041/2020 August 13, 2020 Subject Management Discussion and Analysis – Explanation of net profit for the quarter ended June 30, 2020 and the increase in the overall operations of more than 20 percent

3344 Fax. 66 2 654 3323 No. PACE IR2018/010 Date: 28 February 2018 Subject: Explanation of the Operating Results for the year ended 31 December 2017 changing over 20% To: The President The Stock Exchange

. Liquidity Cash Flow Activities For the three-month period ended March 31, 2018, the Company and its subsidiaries generated cash flows from operating activities of approximately THB 579.28 million, increased