fund for 2018 was maintained at 2.3%, the same level as in 2017. For the year ended Consolidated Change Dec 31, 2018 Dec 31, 2017 Baht million % Interest expense 5,033 4,216 817 19.4 Interest on deposits

financial instruments 184 - - - 184 - 184 100% Profit (Loss) before the effects of foreign exchange, deferred income tax and lease income 2,990 2,567 33 (3) 3,023 2,564 459 18% Deferred income (expense) tax

first quarter ended March 31, 2020 with those of 2019. This report discusses principal changes in the reviewed consolidated financial statements. Changes in Financial Reporting Standards The financial

-2495-1366 Website: www.kkpfg.com http://www.kiatnakin.co.th/ 2 Overall Business Operations The Bank continued to deliver solid performance during 1Q21 with the consolidated net profit of the Bank and

position for the first quarter ended March 31, 2020 with those of 2019. This report discusses principal changes in the unreviewed consolidated financial statements. Changes in Financial Reporting Standards

ramp services, catering services and international cargo. Consolidated financial statement of the Company consists of Separate Financial Statement and Financial Statements of the 14 subsidiaries that

Ended December 31, 2018 To The President The Stock Exchange of Thailand Management Discussion and Analysis Consolidated Financial Statements For Financial Year ended December 31, 2018 Overall Group

Public Company Limited and its subsidiaries would like to notify the operating results stated in consolidated financial statements for the year 2019. The details as follows: The Structure of Revenues R&B

Limited ( “ the Company” ) would like to submit this Management Discussion and Analysis for the year ended 31 December 2019 with details as follows: ( Since the consolidated financial statements included

Limited and its subsidiaries would like to notify the operating results stated in consolidated financial statements for the year 2019. The details as follows: The Structure of Revenues R&B Food Supply