No: AH 02022022 February 28, 2022 Subject: Management Discussion & Analysis (MD&A) for the financial statements of fiscal year 2021 ended as of December 31, 2021 To: The President The Stock Exchange of

. Natcha Suttipate and (8) Ms. Nijjawan Iamsaard were involved in the wrongdoing of Thanaporn by executing transactions for clients whose activities were clearly irregular in violation of the bank's

revenues in the ledger and used such numbers in the company?s financial statements for Q2, Q3 and 2004. Consequently, PICNI?s financial statements in 2004 showed irregular profits of 178,440,072 baht, which

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