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

to serve lower consumer purchasing power and grow the business. Enterprise business was the key growth area for many operators which captured the digitization trends in businesses and consumers. All

to serve lower consumer purchasing power and grow the business. Enterprise business was the key growth area for many operators which captured the digitization trends in businesses and consumers. All

to serve lower consumer purchasing power and grow the business. Enterprise business was the key growth area for many operators which captured the digitization trends in businesses and consumers. All

company and its subsidiaries’ operating result for the 1st quarter ended 31st March 2020 Unit: THB Million Q1/2020 Q4/2019 QoQ Q1/2019 YoY Total Revenue 43,070 50,146 -14% 45,535 -5% Accounting EBITDA

capability to serve the enterprise segment, especially in cloud area. As a result, enterprise non-mobile revenue in FY21 climbed 18% YoY and accounted for 3.2% of core service revenue. In addition, AIS

center business. After that in July-22 AIS announced the establishment of a subsidiary company “AIS DC Venture Company Limited (AISDC)” to invest in joint data center business on behalf of AIS. 2. In July

in order to stimulate the investor to invest in units; “underwriter” means a securities company of which license is allowed to underwrite units; “associated person” means any person having one of the

สามารถลงทุนได 6 3. การปรับปรุงหลักเกณฑการกระจายตัวการลงทุน (company limit) 11 4. การปรับปรุงหลักเกณฑการจัดประเภทกองทุน 17 5. การกําหนดหลักเกณฑเพิ่มเติมสําหรับกองทุนรวมตลาดเงิน 21 และกองทุนรวมตราสารหนี

holder as a beneficiary of REIT. “financial advisor” means a financial advisor which is on the approved list of the SEC Office. “rent” means a consideration which is received from renting, using area or