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 Annual Operating Results 2017 Ended December 31, 2017 Note: This Management Discussion and Analysis (MD&A) was made to disclose information and the vision

companies are able to set a priority of works and allocate its resources for business continuity management effectively. At least, companies should conduct a risk assessment and business impacts analysis once

emergency incident, as well as analyse a business impact and assess damages from major operational disruptions, so that companies are able to set a priority of works and allocate its resources for business

Bangchak Corporation Plc. Management Discussion & Analysis of Business Operation For the 2nd quarter ended June 30th, 2019 Management Discussion and Analysis of Business Operation for Q2/2019

headcount. This will help not only strengthen our core platform but also ensure sustainable long-term growth. In addition, the Company set aside additional provisions for employee retirement benefits in the

MDA_E_FY16 Management’s Discussion and Analysis FY2016 ended February 28, 2017 AEON Thana Sinsap (Thailand) Public Company Limited (“the Company”) already submitted the audited financial statements

1 --Translation-- Sor Gor 106/2017 October 20, 2017 Subject: Management Discussion and Analysis for the third quarter ended September 30, 2017 (Unreviewed) To: The President The Stock Exchange of

1 --Translation-- Sor Gor 113/2017 November 9, 2017 Subject: Management Discussion and Analysis for the third quarter ended September 30, 2017 (Reviewed) To: The President The Stock Exchange of

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