MDA Q2_61 EN -Translation- No. ECF2 033/2018 August 15, 2018 Subject: Management Discussion and Analysis of the 2nd quarter ended June 30, 2018 To President The Stock Exchange of Thailand East Coast

(Cambodia) Plc in total amount of 9.3 million baht or 0.06% of the Company NTA. - Board of Director’s meeting no.7/2018 held on July 11, 2018 approved management support agreement in terms of business

in general greater management participation in SGAH to give more support and necessary controls in the weak areas with the increase in the Company’s direct and indirect equity holding in SGAH from

by Baht 3.36 million mainly from ICO portal service fee of SE Digital Co., Ltd., the Company’s subsidiary which has been granted an approval from SEC to operate as an ICO portal since October 2019

of whether the sentence has been suspended and have been discharged for a period of less than three years after being sentenced in the offences of fraudulent or dishonest management relating to

assets; (b) Managing business in such a way that violates the law or fails to comply with the regulatory agency’s order or improper management of business; (c) Non-compliance of law, or unfair practice, or

Baht 256,500,000 as per the Sale of Shares Agreement of NU dated 13 July 2018, with the precedent condition that the Company as the seller must receive the approval from the Board of Directors before

entire business transfer by a public company pursuant to Section 107 of the Public Limited Companies Act B.E. 2535 (1992) (as amended). Therefore, the Company is required to seek approval from a

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

Management Discussion and Analysis For the first quarter ended March 31, 2020 (Unreviewed) Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66