to mid-single digit, while maintaining EBITDA outlook with low-single digit decline and CAPEX of around Bt35bn. Market and Competitive Environment In 3Q20, mobile competition remained stable as all

hire purchase loans declined slightly from the end of 2018. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 1Q19 remained stable at 4.1% from the end of 2018. On Special Asset

Mobile competition in 1Q21 was stable as the price point for unlimited plans had been maintained. Although the industry attempted to uplift ARPU by introducing larger unlimited package, the new acquisition

efforts to enhance ARPU by providing additional value to AIS packages resulted in a stable ARPU QoQ at Bt407. 1Q23 Operational Summary Mobile Business 1Q22 4Q22 1Q23 %YoY %QoQ Subscribers Postpaid

Credit Loss The consolidated expected credit loss in the fiscal year 2023 amounted 7,240 million baht, remained stable in comparison to last year. However, the expected credit loss in the fourth quarter

, totaling Baht 35,000,000, equivalent to 6.40 percent of the registered and paid-up capital All of them are corporate and individual investors with a stable financial position who are able to invest in the

integration of acquired businesses, the start of earning recovery in our high-volume Necessities business and our stable but higher-margin HVA business. We delivered record earnings and cash flows and expect

remained stable at 4.1% from the end of 2018. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 171 million and had gain of Baht 64 million. Financial Market

consistent with the overall expansion in loan portfolio. Cost of fund for 2Q18 remained stable at 2.3% yoy . For the three month period ended Consolidated Change Jun 30, 2018 Jun 30, 2017 Baht million

expansion in loan portfolio. Cost of fund for 2Q18 remained stable at 2.3% yoy . For the three month period ended Consolidated Change Jun 30, 2018 Jun 30, 2017 Baht million % Interest expense 1,224 1,030 194