Quarter Ended on September 30, 2019 4 Overview Operational Results Between the nine-month period of the year 2019 and 2018 (Unit: Million Baht) Description For the nine months Changes 2019 2018 Amount

No. ADD 31/2022 8 November 2022 Subject: Management discussion and analysis for the performance for the nine-month period ended 30 September 2022 To: President The Stock Exchange of Thailand AddTech

and financial position for the third quarter and the nine months ending September 30, 2017 with those of 2016. This report discusses principal changes in the unreviewed consolidated financial statements

and financial position for the third quarter and the nine months ending September 30, 2017 with those of 2016. This report discusses principal changes in the reviewed consolidated financial statements

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month ended September 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel

twenty- nine satang) per share or THB 198,959,983.42 (one hundred ninety-eight million nine hundred fifty-nine thousand nine hundred and eighty-three Baht and forty-two satang) in total; 2. 1,593,748

% 0.64% (0.31)% ** Less deferred revenue For the first nine months of 2018, Bangkok Bank and its subsidiaries have reported a net profit attributable to owners of the Bank of Baht 27,229 million, an

(attributable to the Bank) rose by Baht 100 million or 1.2 percent from the same quarter of 2016. V2 08/11/60 16:47 น. 5 In the first nine months of 2017, non-interest income increased by Baht 3.3 billion or 10.6

No. ADD 12/2021 15 November 2021 Subject: Management discussion and analysis for the performance for the nine-month period ended 30 September 2021 To: President The Stock Exchange of Thailand AddTech