(1992); “Commercial Bank” means commercial bank under the law on commercial bank business. (Translation) -2- Chapter 1 Criteria for Approval to Use Derivatives Investor Contact Service Clause 3

• Land and Houses Bank Public Company Limited • Land and Houses Fund Management Company Limited • Land and Houses Securities Public Company Limited • Land and Houses Advisory Company Limited Structure of

rate in the last quarter, due to the decline in the prices of fresh food and energy. Inflation is therefore below the Bank of Thailand’s target range of 1-4 percent. Core inflation registered at 0.47

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

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

นี้ยกเลิกการใช้งาน] BANK OF AME... [บริษัทนี้ยกเลิกการใช้งาน] CLIFFORD CH... [บริษัทนี้ยกเลิกการใช้งาน] COOPERATIEV... [บริษัทนี้ยกเลิกการใช้งาน] NATIONAL PO... [บริษัทนี้ยกเลิกการใช้งาน] PHATRA INSU

ratio was also close to the target of 42.31 percent. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced

Bank Public Company Limited  Land and Houses Fund Management Company Limited  Land and Houses Securities Public Company Limited  Land and Houses Advisory Company Limited Shareholding structure of LH