debt level and severe competition in the real estate market, the Company is rated A- by Tris Rating Co., Ltd. The Company is, therefore, able to save costs from lower interest rate when raising funds

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending June 30, 2019 The Thai economy faced increased headwinds in the second quarter

1,000 million with a fixed coupon rate of 2.94 % and 3) 15-year tranche of THB 2,500 million with a fixed coupon rate of 3.24%. GPSC - Q2/2020 Management Discussion and Analysis (MD&A) 2 Executive Summary

increase the Company’s financial liquidity to be used as working capital and debt repayment which will help reduce the high interest burden of the Company. On the date the Board of Directors approved the

of foreclosed assets 47,562 (10,441) 58,003 (555.5) Other expenses 406,899 444,470 (37,571) (8.5) Total other operating expenses 2,114,477 1,846,361 268,116 14.5 Impairment loss on loans and debt

of foreclosed assets 47,562 (10,441) 58,003 (555.5) Other expenses 406,899 444,470 (37,571) (8.5) Total other operating expenses 2,114,477 1,846,361 268,116 14.5 Impairment loss on loans and debt

1 1Q20 MD&A Advanced Info Service Plc. Executive Summary Impact from the COVID-19 pandemic The COVID-19 pandemic has affected Thai economy as early on in February, particularly from the contraction

1 3Q19 MD&A Advanced Info Service Plc. Executive Summary Mobile revenue driven by postpaid price adjustment In 3Q19, the postpaid segment continued its growth as we continued to adjust postpaid price

1 3Q19 MD&A Advanced Info Service Plc. Executive Summary Mobile revenue driven by postpaid price adjustment In 3Q19, the postpaid segment continued its growth as we continued to adjust postpaid price

1 1Q20 MD&A Advanced Info Service Plc. Executive Summary Impact from the COVID-19 pandemic The COVID-19 pandemic has affected Thai economy as early on in February, particularly from the contraction