.    Provision is made of amounts outstanding over 90 days and amounts which the management believe may be doubtful.  Accounts receivable days were 68 days in Q218 and 62 days in Q217. Trade Receivables  30‐Jun‐18

: Management explanation and analysis for the 2nd Quarter ended 30 June 2018 Attention : The President of, The Stock Exchange of Thailand ZIGA Innovation Public Company Limited (“ the Company”) would like to

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. Provision is made of amounts outstanding over 90 days and amounts which the management believe may be doubtful. Accounts receivable days were 63 days in Q120 and 66 days in Q119. Trade Receivables 31-Mar-20

, corporate lending, Special Asset Management (SAM) or distressed asset management loan and other loans. The breakdown of total loan portfolio is as follows; Type of loans Dec 31, 2018 Dec 31, 2017 Change Baht

Management Discussion and Analysis For the second quarter and six months ended June 30, 2018 (Unaudited) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

, Special Asset Management (SAM) or distressed asset management loan and other loans. The breakdown of total loan portfolio is as follows; Type of loans Jun 30, 2018 Dec 31, 2017 Change Baht million % Baht

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations

Management Discussion and Analysis For the third quarter and nine-month period ended September 30, 2018 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations