Eng_MD&A Q2'18 (Translation) August 14, 2018 Ref: SET-2018-016 Re: Management Discussion and Analysis for Quarter 2’ 2018 Attn. to: President The Stock Exchange of Thailand Filter Vision Public

- ร่าง - 1 February 11, 2020 Subject Management Discussion and Analysis for the periods of three months and nine months ended 31st December 2019 To President of the Stock Exchange of Thailand

; income (loss) from continuing operations per share; 3    total assets; total liabilities; net assets or liabilities; capital stock (excluding long term debt and redeemable preferred stock); number of

Phatra Securities. The stock symbol for Kiatnakin Phatra Bank Public Company Limited will remain the same as KKP. Previous Name New Name Kiatnakin Bank Public Company Limited Kiatnakin Phatra Bank Public

1,221 2.1% 3,706 3,534 4.9% Profit for the period from continuing operations 841 787 6.8% 2,459 2,239 9.8% Profit for the period from discontinued operation, net of tax - 7 -100.0% - 27 -100.0% Profit for

all existing products, reducing Stock Keeping Unit (SKU) and cutting off the unproductive tail of products, and developing new core assortment to reflect market trends which will lead to improved sales

strong organic growth, price increases, especially in our static media network as well as higher demand for new campaign media. The integration of the digital services business is continuing to progress

, reducing Stock Keeping Unit (SKU) and cutting off the unproductive tail of products, and developing new core assortment to reflect market trends which will lead to improved sales and margin.  Review new

measurable advertising. This places the Company in a favourable position to offer optimal solutions to our customers as well as continuing to capture market share in the OOH and Online/Digital media. Our 9

assigned by such claimant; “SET” means the Stock Exchange of Thailand; “Office” means the Office of the Securities and Exchange Commission. Chapter I General Provision ________________________ Clause 4. The