Management Discussion and Analysis For the first quarter ended March 31, 2019 Kiatnakin Bank Public Company Limited Investor Relations Email: investor_relations@kiatnakin.co.th Tel. +66-2495-1366

attributable to Equity holders of the Company in Q3/2019 and of the nine months of 2019 were of Bt255. 7 million and Bt779.7 million which decreased by Bt48.9 million or 16.1%(y-o-y) and decreased by Bt89.8

growth rate of total expenses at 20.3%(y-o-y), then the Net profit attributable to Equity holders of the Company in Q2/2019 and of the first six months of 2019 were of Bt176.1 million and Bt524.0 million

Public Company Limited and its subsidiaries (Hereinafter called “ The Group” ) would like to submit Management’s discussion and analysis for the Year 2018 with the summary as follows: - 1. Nature of

AND EMPOWERING DIGITAL STRATEGIES THROUGH STRATEGIC PARTNERSHIPS  The Company expects that the sale of VGI Global Media (Malaysia) Sdn. Bhd. (“VGM”) for THB 360mn to Master Ad Public Company Limited

reference. Notification of the Capital Market Supervisory Board No. Tor Jor. 3/2558 Re: Provisions relating to Offer for Sale of Shares Issued by Foreign Company Whose Shares Are Not Traded on Foreign

Acquisition of Assets of Safari World Public Company Limited; An increasing of investment cost in Carnival Magic Project. (No.2) Safari World Public Company Limited (“The Company”), would like to notify the

Total Liabilities 4,806 5,871 Total Asset 17,482 17,813 F in an ci al S ta tu s Total Equity 12,676 11,942 • The Company posted net loss in 2nd quarter of year 2017 amounted to THB 233 million which was

Bangkok Bank Public Company Limited (Registration No. 0107536000374) 333 Silom Road Bangrak Bangkok 10500 Thailand Tel. (662) 231-4333 Fax (662) 231-4890 www.bangkokbank.com 110 Ref. No.: SSD./REG

income from short-term investments decreased. As the growth rate of total revenue was higher than the growth rate of total expenses, then the Net profit attributable to Equity holders of the Company in Q3