Translation Management Discussion and Analysis for Interim Business Operations Financial Performance for the period ended M arch 31 , 2020 (Unit : M ill ion Baht) 2020 2019 Inc. / (Dec.) % (Re st at

overall international business grew 14.4% at constant FX rate. 9M’19 Net sales grew 5.7% YoY, driven by core businesses in both domestic and international markets. Domestic beverage and personal care grew

1 3Q20 MD&A Advanced Info Service Plc. Executive Summary Continued economic impact on mobile business despite improved pandemic situation in Thailand With well-managed pandemic situation, domestic

1 2Q19 MD&A Advanced Info Service Plc. Executive Summary Competition in mobile saw an improvement In 2Q19 the price competition in mobile industry had improved with fixed speed unlimited data pricing

which gives the highest transaction value. In this regard, a summary of material information for the business operation of 7 SPP projects are detailed as follows: 5 Summary of material information for the

1 2Q21 MD&A Advanced Info Service Plc. Executive Summary Prolonged economic impact from new phase of pandemic in 2Q21 As the new phase of pandemic re-emerged in the second quarter, we observed the

1Q22 MD&A Advanced Info Service Plc. Executive Summary Prolonged economic impact from Omicron outbreak and rising inflation in 1Q22 In 1Q22, Thailand’s economic recovery was challenged as private

of 2Q19. 3 Overall Business Operations During 3Q19, the overall Bank’s loan portfolio grew by 4.2% from the end of 2018 with growth continue to be driven across almost all segments except in the hire

Overall Business Operations During 3Q19, the overall Bank’s loan portfolio grew by 4.2% from the end of 2018 with growth continue to be driven across almost all segments except in the hire purchase segment

. Private investment continued to contract in all investment categories from the slowdown in domestic and external demands and also from the lower business sentiment impacted by the outbreak. Meanwhile