20231030-ADVANC-MDA-3Q23-EN 3Q23 MD&A Advanced Info Service Plc. 1 Executive Summary 3Q23 illustrated AIS core business growth from quality focus despite low season challenges. 3Q23 Thai economy

orders of derivatives and shares in large volumes without the client’s authorization. When the client’s account suffered a large amount of loss, {A} tricked the client into depositing more cash into the

} assured his colleague that it was the client’s decision. Therefore, the transaction had been executed. However, when the authorization documents were brought to the client for signature, the client

MD&A - EN Report (Presentation) (1) 3Q24 MD&A Advanced Info Service Plc. 1 Executive Summary Sustaining core business growth alongside economic stability 3Q24 showed a modest growth in the Thai

still uncertain until the approval obtained from the shareholders’ meeting. 2. authorization of Mr. Eugene S. Davis or Mr. Varah Sucharitakul or any person designated by Mr. Eugene S. Davis or Mr. Varah

still uncertain until the approval obtained from the shareholders’ meeting. 2. authorization of Mr. Eugene S. Davis or Mr. Varah Sucharitakul or any person designated by Mr. Eugene S. Davis or Mr. Varah

still uncertain until the approval obtained from the shareholders’ meeting. 2. authorization of Mr. Eugene S. Davis or Mr. Varah Sucharitakul or any person designated by Mr. Eugene S. Davis or Mr. Varah

still uncertain until the approval obtained from the shareholders’ meeting. 2. authorization of Mr. Eugene S. Davis or Mr. Varah Sucharitakul or any person designated by Mr. Eugene S. Davis or Mr. Varah

. Business Directions and Operations of Core Businesses 10 3.1 Sustainable Development and Corporate Governance 10 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK 11

1 Forth Smart Service Public Company Limited (FSMART) FY18 Management Discussion and Analysis Operational Summary in FY18 2018 Operational Summary  Total revenue from core business was Bt3,339mn