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

operating results of the company and its subsidiaries ended December 31, 2018, reviewed by the Company's auditor, the summary of revenue and profits detailed as follows. 2017 2018 Change Mio % Mio. % Mio

Rnj, (Translation) MD. 170/2019 November 13, 2019 Re: Management Discussion and Analysis For the Operating Results ended September 30, 2019 To: President The Stock Exchange of Thailand Management

(Pneumatic Tube Carrier Systems) already completed at projects. . Analysis of results of operations. Statements of Comprehensive Income – Consolidated (Million Baht) For six-month periods ended June

transactions is based on the consolidated financial statements for 9 months ended 30 September 2017 of the Company and the Target, on the criteria according to the Acquisition and Disposition of Assets

for the size of transactions is based on the consolidated financial statements for 9 months ended 30 September 2017 of the Company and the Target, on the criteria according to the Acquisition and

consideration calculated from the Company’s reviewed consolidated financial statements for the period ended 30 September 2017 in which the Company has no asset- disposing transactions over the past six months

  1    (Translation) MD. 030/2018 February 21, 2018 Re: Management Discussion and Analysis For the Year Ended December 31, 2017 To: President The Stock Exchange of Thailand Management Discussion and

) Resolved propose to the Annual Ordinary General Meeting of Shareholders to consider and approve the Balance Sheet and Profit and Loss Statement of the Company for the fiscal year ended December 31, 2017