have focused on collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai Life Assurance Public Company Limited and our business partners, for service quality

Management Discussion and Analysis For the first quarter ended March 31, 2021 (Unreviewed) Kiatnakin Phatra Bank Public Company Limited Investor Relations Email: investor_relations@kkpfg.com Tel. +66

income and expenditure of trade partners, with the aim of expanding the customer base within value chains. One noteworthy development was construction material operators who have acquired customers 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

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

Management Discussion and Analysis For the first quarter ended March 31, 2020 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66-2495-1366

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

KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai Life Assurance Public Company Limited and our strategic partners. Being aligned with our business strategies for 2018, KBank and subsidiaries thus reported Baht

Life Assurance Public Company Limited and our business partners, for service quality improvements in order to deliver an excellent customer experience. In keeping with changing customer expectations, we