Public Company Limited Management Discussion and Analysis for the First Quarter Ended 31 March 2021 Page 5/19 Net Non-Interest Income Net non-interest income includes net fees and service income, net gains
operated by its subsidiaries which are comprised of KKP Capital, Kiatnakin Phatra Securities and Kiatnakin Phatra Asset Management. Commercial Banking Business includes retail lending, commercial lending
base of 4.74 million subscribers by the end of 2023. This includes an organic increase of 276,000 subscribers from AIS operations and an additional 2.3mn subscribers from the acquisition of TTTBB
” : This term includes (a) the Issuer’s directors, (b) key executives, and (c) any other such equivalent person as directors, managers or persons holding the four highest positions on the management level
to social sustainability management in the business operational process, which includes respect for human rights throughout the value chain, for example, fair labor treatments, responsible production
the Company’s policy and guidelines in accordance with the laws, rules and regulations related to social sustainability management in the business operational process, which includes respect for human
property (totaling 11 units), and 3 real estate properties for sale (totaling 1,227 units), which includes the properties transferred to CPN Retail Growth Leasehold REIT (“CPNREIT”) and CPN Commercial Growth
marketed by it but includes flights operated by it and marketed by other airlines. (3) Excludes non-scheduled flights. (4) Scheduled passenger revenues excluding fuel surcharge, insurance surcharge and
includes depreciation and amortization which is a part of production cost of the branded products by our own manufacture amounted to THB 207 million up by THB 30 million or 16.9% from the corresponding