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

benefit, value appraisal date or the latest value appraisal reviewed date, and the appraised value or the latest reviewed appraised value; - fact sheet regarding procurement of benefits from REIT’s assets

provident fund , the company had net asset value as of 30 September 2017 for Baht 59,397.8 million, which came from private fund for Baht 5,565.9 million and provident fund for Baht 2,499.7 million.

Management Discussion and Analysis for the Third Quarter ended 30 September 2017 Page 22/22 In addition, in case included private fund and provident fund , the company had net asset value as of 30 September

Article 5. All shares in the Company shall consist of ordinary shares of equal value, entered in name certificates and shall be fully paid-up in one lump sum in cash. However, the Company may issue and

the units of the mutual fund to the management company in an amount or value specified by the fund scheme, which shall be no less than ten million baht or in accordance with the waiver from the SEC

lower investment in projects and maximize brand value. For example, the Company focuses on franchising businesses to grow the brand both domestically and internationally. This attempt has been reflected

Quarter ended 30 September 2020 Page 3/19 Thailand's Private Sector Collective Action Coalition Against Corruption Certificate LH Financial Group Public Company Limited, Land and Houses Bank Public Company

-0.06 22.22 Profit(Loss) attributable to equity holders of the company -59.81 -130.55 70.74 54.19 Financial Position as at December 31 (Unit : Million Baht) 2017 2016 Inc./(Dec.) % Current Assets 305.00

21,801,000,000 newly issued ordinary shares of the Company, at the par value of THB 5 per share, to ACO I as repayment of the Net Trade Debt of USD 123,899,729, or equivalent to THB 4,275,683,281.33, under the