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

, which gives the highest transaction value. After computation of the foregoing with the transaction size of the Company’s other acquisition transactions within the past 6 months prior to entering into the

Osotspa Public Company Limited Q4’18 and FY18 Management Discussion & Analysis 27 February 2019 Q4’18 and 2018 Management Discussion & Analysis Page 1/7 Financial Highlights - Q4’18 Net profit* was

Disposal of Assets) and to circulate a notification (as set out in Schedule 2 to the Notifications on the Acquisition or Disposal of Assets) to its shareholders within 21days after the date of the disclosure

Disposal of Assets) and to circulate a notification (as set out in Schedule 2 to the Notifications on the Acquisition or Disposal of Assets) to its shareholders within 21days after the date of the disclosure

Disposal of Assets) and to circulate a notification (as set out in Schedule 2 to the Notifications on the Acquisition or Disposal of Assets) to its shareholders within 21days after the date of the disclosure

Disposal of Assets) and to circulate a notification (as set out in Schedule 2 to the Notifications on the Acquisition or Disposal of Assets) to its shareholders within 21days after the date of the disclosure

involved in personnel management and investment in the company very well as individual or / or institutional investors. according to the announcement of the related transaction, in the event that investors

involved in personnel management and investment in the company very well as individual or / or institutional investors. according to the announcement of the related transaction, in the event that investors