% (2008-18) based on Bank Indonesia statistics 5 84.4 million unbanked population as of 2018 based on Euromonitor report Page 3 of 4 • Uniquely positions the Bank to capture new and expanding opportunities

Ayudhaya (BAY) and Government Saving Bank (GSB) and add new interesting services continuously i.e. lottery by bank. Moreover, the Company focus on expanding the Smart Boonterm kiosk that sells SIM Card with

fast growing market through a quality bank of scale  Uniquely positions the Bank to capture new and expanding opportunities arising from increasing ASEAN financial and economic integration  Increases

the momentum from the above mentions, the Thai economy in 2018 was expected to continue expanding which the Bank of Thailand projected to record growth of 4.1 percent (as of March 2018). However, the

the momentum from the above mentions, the Thai economy in 2018 was expected to continue expanding which the Bank of Thailand projected to record growth of 4.1 percent (as of March 2018). However, the

in budget disbursement. As the momentum from the above mentions, the Thai economy in 2018 was expected to continue expanding which the Bank of Thailand revised up the growth forecast to 4.4 percent (as

in budget disbursement. As the momentum from the above mentions, the Thai economy in 2018 was expected to continue expanding which the Bank of Thailand revised up the growth forecast to 4.4 percent (as

% -57.4% 4.66 0.2% 1.65 0.1% -64.6% Profit before finance cost and income tax expenses 147.01 17.7% 178.46 21.5% 174.24 21.3% -2.4% 18.5% 664.22 21.4% 720.04 21.6% 8.4% Bank Charge (5.97) -0.7% (3.76) -0.5

Management Discussion and Analysis For the first quarter ended March 31, 2021 (Unreviewed) Kiatnakin Phatra Bank Public Company Limited Investor Relations Email: investor_relations@kkpfg.com Tel. +66

effect to the expanding of the export sector. For the banking sector, in the third quarter of 2017, the overall of commercial bank lending increased from the previous quarter. The main focus is on the