1 --Translation-- Sor Gor 7/2018 January 19, 2018 Subject: Management Discussion and Analysis for the year ended December 31, 2017 (Unaudited) To: The President The Stock Exchange of Thailand

1 --Translation-- Sor Gor 11/2018 February 22, 2018 Subject: Management Discussion and Analysis for the year ended December 31, 2017 (Audited) To: The President The Stock Exchange of Thailand

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2020 (Unreviewed) Kiatnakin Phatra Bank Public Company Limited Investor Relations Email: investor_relations

of its business except for EIA and Construction licenses. 4. The Superficies Agreements and Land Lease Agreements shall be valid and have not been terminated 5. The Sublease Agreement has been amended

by the Office under the first paragraph, the approval under Clause 2/1 shall be deemed terminated. Clause 12. Repealed . Clause 13. In the case where an investment advisory agent is employed by more

clearly specified in the scheme by the mutual fund management company . (2) in case of the preparation of the financial statements for a mutual fund that is terminated within fifteen months as from the

clearly specified in the scheme by the mutual fund management company. (2) in case of the preparation of the financial statements for a mutual fund that is terminated within fifteen months as from the

clearly specified in the scheme by the mutual fund management company. (2) in case of the preparation of the financial statements for a mutual fund that is terminated within fifteen months as from the

relating to any volume limitations on sales and conditions under which the agreement may be terminated. If known, disclose the identity of the broker(s) or dealer(s) that will participate in the public

with the client is terminated. Such documents and information shall be stored in the manner that enables prompt access for review by the Office when requested. Notified this 1st day of March 2007