percent at the end of 2018. This resulted in easing liquidity in the banking system. KBank ranked fourth in assets, deposits and net loans in the commercial banking system, with market shares of 13.56

Phrakan Province 10290 Tel 02-816-9315 Fax 02-816-9315 #444 6 the third installment shall be paid in the amount of 5,457,000 Baht within Mar 2018 the fourth installment shall be paid in the amount of

paid in the amount of 5,457,000 Baht within Mar 2018 the fourth installment shall be paid in the amount of 1,819,000 Baht within August 2018. 2). Other machines ( Budget not exceeding 89,810,000 Baht

10% of the total number of voting shares of any juristic person. “executive” means a manager, the first four executives below the manager, and every person with a position equivalent to the fourth of

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

Advisor (IFA) to give opinion on entering into such transaction, as well as to seek an approval for entering into such transaction from the shareholders’ meeting with votes of not less than three-fourth of

construction plan was 99.12%). The commercial operation date is scheduled in the fourth quarter of 2019. - SBPL Project, a project of San Buenaventura Power Ltd., Co., (EGCO holds a 49% ownership interest.), is

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

Processed price data from: Metal Expert Hot Rolled the prices for hot-rolled coil on the world market during the first quarter of 2016 to fourth quarter of 2018 had more fluctuated by moving from the lowest