Management Discussion and Analysis For the first quarter ended March 31, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66-2495-1366

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

., Km. 39.5 Bangpoomai, Amphur Muang Samutprakarn, Samutprakarn 10280, Thailand Tel. 66 2323 1085..96 Fax. 66 2323 9283 23 February 2018 Subject: Management Discussion and Analysis (MD&A) of the year 2017

management. 2. In 2019, the net cash flow used in investing activities was 361 MTHB, decreased by 190 MTHB comparing to its amount of 551 MTHB in 2018 due to lower acquisition of machinery and equipment, plus

(Translation) NEP-AC 001/2562 28 February 2019 Subject : Management Discussion and Analysis for year ended 31 December 2018 To : The President The Stock Exchange of Thailand Operating Result NEP

of Thailand Enclosure : 1. Financial Statements for the Years ended 31 December 2018 2. Management Discussion and Analysis Nawarat Patanakarn Public Company Limited would like to submit Audited

Thailand Enclosure : 1. Financial Statements for the first quarter ended March 31,2019 2. Management Discussion and Analysis Nawarat Patanakarn Public Company Limited would like to submit Reviewed Financial

: 0107556000248 No. (SUTHA-SET) 030/2017/Eng 10 November 2017 Subject: Management Discussion and Analysis for period ended 30 September 2017 To: The President of the Stock Exchange of Thailand Attachment

approved by the meeting of shareholders as well. 5. Approval of the appointment of Discovers Management Company Limited, a financial advisor, approved by the Securities and Exchange Commission (SEC) as an