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

1 No. ACC 2019/004 13 August 2019 Subject : Management Discussion and Analysis for the three-month and six-month period ended 30 June 2019 To : President The Stock Exchange of Thailand Index Living

mentioned. Excluding such non- recurring income, 1Q18 revenues would have grown 9% QoQ, mainly from stronger performance of hotel business. Management Discussion and Analysis 1Q18 Consolidated Financial

-1 -Translation- Ref. LPN/SorKor/053/2562 14th February 2019 RE: Financial Statements Analysis Report 2018 Dear: President The Stock Exchange of Thailand L.P.N. Development Public Co., Ltd. would

percent To The President of the Stock Exchange of Thailand Management’s Discussion and Analysis Consolidated Financial Results for the three-month and the six-month : Q2/2017 For the three-month ended 30

30 October 2017 At: ACC/HO 057/60 Re: Management Discussion and Analysis for the three-month and nine-month periods ended 30 September 2017 To: President The Stock Exchange of Thailand Homepro’s

: Management discussion and analysis for the year ended December 31, 2017 To Director and Manager of the Stock Exchange of Thailand Referring to the submission of the audited financial statements of Wiik

30 July 2019 At: ACC/HO 017/19 Re: Management Discussion and Analysis for the Quarter of 2/2019 To: President The Stock Exchange of Thailand In the second quarter of 2019, the Thai economy inclined

-1 - Translation - Ref. LPN/SorKor/217/2562 7th August 2019 Re: Consolidated Financial Statements Analysis Q2/2019 Dear: President The Stock Exchange of Thailand L.P.N. Development Public Co., Ltd

26 July 2018 At: ACC/HO 021/18 Re: Management Discussion and Analysis for the three-month period and six-month ended 30 June 2018 To: President The Stock Exchange of Thailand The Thai economy