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

3.66 million mainly results from; 1. Revenue from sales increased by Baht 22.76 million because the Company has Revenue from sales from trading increase baht 15.65 million, Revenue form loan increasing

Corporation Public Company Limited “the Company” submitted the Financial Statements of the Company and subsidiaries for the Annual year 2023 ended December 31, 2023, that the Company has net loss of Baht 81.76

subsidiaries withdrew more short-term loan from financial institutions for operations. - Trade and other payables increased by Baht 14.89 million, because the Company order packages and raw materials for

Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the second quarter and six-month ended June 30, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66

than 400 days of their salary as at the date of retirement which total amount increased by Baht 7 million. Page 3 of 4 (6) Financial costs The Company and its subsidiaries’ financial cost from loan and

in payment to purchase subsidiaries of 17.95 Million Baht, more loan from external of 70.00 Million Baht, decline in long term loan of 200.00 Million Baht and subsidiary (Enesol Company Limited

the disposal of assets were used to pay down on the bank overdrafts and short-term loan outstanding in March 2017. For the three-month period financial statement ended June 30, 2017, the Company

Management Discussion and Analysis For the first quarter ended March 31, 2018 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66