/2019 2020 2019 (%) Net profit /1 3,095 7,671 9,347 (59.7)% (66.9)% 10,765 18,375 (41.4)% Earnings per share (Baht) 1.62 4.02 4.90 (59.7)% (66.9)% 5.64 9.63 (41.4)% Net interest margin 2.13% 2.52% 2.36

20,831 CAPEX & Fixed assets 7,684 Sale of equipment 76 Spectrum license 1,758 Interest received 1 Lease liability payments 3,208 Income tax and Finance cost paid 1,121 Net borrowings payment 3,625

PowerPoint Presentation After You Public Company Limited Management Discussion & Analysis Q3/2020 Management Discussion & Analysis Q3/2020 Gross Profit and Gross Profit Margin • The Company’s gross

fixed interest rate from 2.05 to 3.01 percent per annum to reduce financial cost and risk management from floating interest rate. As a result, the Company has saved interest expense approximately by Baht

by temporarily prepaying loan, resulting in decrease in interest-bearing debt. In addition, interest rate of interest-bearing debt also decrease from last year. Net profit for Q4/2020 compared to Q3

% (68.5) (529.4) 672.8% Gross profit 420.1 427.9 446.0 4.2% 6.2% 774.6 873.9 12.8% Net gain (loss) on exchange rate (47.6) 112.2 (58.6) N.A. (100) Other income 11.0 173.0

of expenses. Compared with the third quarter of 2018, net profit attributable to owners of the Bank rose by Baht 408 million due to an increase in non-interest income of Baht 974 million or 8.6 percent

from higher deferred spectrum interest after acquisition of 700MHz in Apr-21. Income tax was Bt1,571mn, increasing 6.4% QoQ following an increase in profit before tax, and increasing 11%YoY due to the

shareholders’ equity was mainly derived from (1) Net profit during the period THB 28.5 Mn and (2) Disposal of discount on purchases of fixed assets from companies under common control THB 0.2 Mn. Cash Flow

baht or 25.03% from the interest income 1.33 million baht of bills of exchange, the interest from fixed deposits, gain&(loss) from the current investments acquisition 2.26 million baht and other income