putting resources to grow our enterprise business and digital services with high growth potential. Dividend policy at minimum 70% of net profit AIS is committed to driving long-term growth while delivering

expansion into the new untapped areas as well as putting resources to grow our enterprise business and digital services with high growth potential. Dividend policy at minimum 70% of net profit AIS is

business and digital services with high growth potential. Dividend policy at minimum 70% of net profit AIS is committed to driving long-term growth while delivering returns to shareholders. We place

broadband business, and the rest in enterprise and others. Dividend policy at minimum 70% of net profit AIS is committed to driving long-term growth while delivering returns to shareholders. We place

reference to a minimum guarantee thereunder). The entering into the Right to Sell Advertising Media Agreement constitutes a connected transaction pursuant to the Connected Transaction Notifications because

percent and 17.01 percent, respectively, comfortably above the Bank of Thailand’s minimum capital requirements. V3 27/02/63 8 Operating Income and Expenses of the Bank and its Subsidiaries Million Baht

26,928 19,156 (1.3)% 38.7% Ratio of net NPL to net total loans 1.2% 1.2% 0.9% - 0.3% Ratio of loan loss reserves to minimum required provisioning 200.0% 194.6% 205.0% 5.4% (5.0)% Ratio of loan loss

minimum payment for all customers from the previous 10 percent to 5 percent during 2020-2021, before gradually increasing to 8 and 10 percent in 2022 and 2023, respectively. (2) K-Credit Card and Xpress

reference to a minimum guarantee thereunder). The entering into the Right to Sell Advertising Media Agreement constitutes a connected transaction pursuant to the Connected Transaction Notifications because

E_1 Legal_FA_2015_12_29-c A WWCCoorrppLL44..11hhiigg A Executive Summary 1 Management Discussion and Analysis For the Year Ended December 31, 2017 In 2017, Thai economic growth gained traction, buoyed by strong recoveries in tourism and exports. This growth momentum is expected to carry on into 2018, especially amid a brighter outlook in public and private investment. Nonetheless, the business sector remained challenged by new modes of competition in a broader marketplace amid the advancing digi...