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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

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, 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

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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