Increase (Decrease) Percentage Asset 1,757.85 1,573.51 184.34 11.72 Liabilities 830.88 686.91 143.97 20.96 Shareholders 'Equity 926.97 886.60 40.37 4.55 The cause of the company's financial situation changed

by Baht 9,037.8 million or 4.5% when compared to the end of the year 2019. Most of total liabilities were deposits, accounting for 86.5% of total liabilities. Owners’ Equity As of 30 September 2020

. . . . % Profit Sharing for the Year - The Company’s Equity . . . . % - Non-controlling Interest ( . ) ( . ) . . % Management's Discussion and Analysis and operating results for the Year 2017 Page 3 / 10 3.1

2019, AIS adopted Thai Financial Reporting Standards (TFRS) 15 regarding revenue from contracts with customers. The standard affects accounting of handset campaigns with price plan contract. This

% Return on average equity * 9.05% 8.48% 8.81% 0.57% 0.24% * Attributable to owners of the Bank Million Baht Item March 2018 December 2017 March 2017 Change (%) December 2017 March 2017 Loans ** 1,978,511

% 23.5% 23.2% 0.3% Expense to operating income ratio 41.9% 45.8% 44.9% (3.9)% (3.0)% 42.8% 47.8% (5.0)% Return on average assets * 1.06% 1.07% 1.10% (0.01)% (0.04)% 1.09% 1.09% - Return on average equity

ratio 42.8% 39.9% 45.8% 2.9% (3.0)% 41.4% 43.3% (1.9)% Return on average assets * 1.16% 1.17% 1.07% (0.01)% 0.09% 1.17% 1.10% 0.07% Return on average equity * 9.16% 9.05% 8.38% 0.11% 0.78% 9.12% 8.61

% 1.16% 1.09% 0.07% Return on average equity * 8.91% 9.16% 8.33% (0.25)% 0.58% 9.04% 8.50% 0.54% * Attributable to owners of the Bank Million Baht Item September 2018 June 2018 December 2017 Change

measurement of financial assets and financial liabilities, impairment of financial assets and general hedge accounting as well as leases standard (TFRS 16). However, the Company has not restated the comparative

Commission governing the maintenance of financial status of a licensed securities company; (2) shareholders’ equity as shown in the latest financial statement that has been audited by an auditor approved by