) Debtor Quality, Accounts Receivable Aging, Provision and Sufficiency of Allowance for Doubtful Debts The Corporate Group’s trade accounts receivable and other accounts receivable as at June 30, 2019

plans to suit customer’s usage pattern. Prepaid competition, however, remained challenging with offering of large data allowance on low-tier package during the quarter to date. AIS selectively offered

Service Coverage Ratio (Times) 79.87 56.23 (3) Asset Management Capability (3.1) Debtor Quality, Accounts Receivable Aging, Provision and Sufficiency of Allowance for Doubtful Debts The Corporate Group’s

loan loss reserve after allowance for expected credit losses based on TFRS 9 at the initial date of TFRS 9 implementation was Baht 2,552 million which the Bank has partially released as additional

selling price may have adjusted upward to coincide with market price. Moreover, there was an allowance for impairment losses according to accounting standard in the amount of THB 1,528 million in the

E_1 Legal_FA_2015_12_29-c A CCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended June 30, 2017 The global economy in the second quarter of 2017 maintained its growth momentum. Similarly, Thailand’s major economic indicators continued to exhibit growth, as evidenced by brighter exports, government spending and private spending on certain items of durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the...

E_1 Legal_FA_2015_12_29-c A FFeeCCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended September 30, 2017 The Thai economy maintained steady growth in the third quarter of 2017, buoyed largely by tourism and exports. Nonetheless, the economic recovery was not broad-based, as evidenced by sluggish private consumption. While certain businesses were still fragile, others remained mired in uncertainty in terms of new modes of competition, a broader market...

for the Year 2019 as follows: Remuneration of Directors 2019 (Proposed Year) 2018 (1) Meeting Allowance for Chairman THB 90,000 /month THB 90,000 /month (2) Meeting Allowance for Vice Chairman THB

Shareholders to consider and approve Directors’ Remuneration for the Year 2019 as follows: Remuneration of Directors 2019 (Proposed Year) 2018 (1) Meeting Allowance for Chairman THB 90,000 /month THB 90,000

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ended March 31, 2018 In the first quarter of 2018, Thai economic growth gained traction, buoyed by both domestic and international factors. However, the business sector faced rising challenges, namely various forms of competition, a borderless marketplace within the ASEAN Economic Community (AEC), and the advancing digital age amid the rapid pace of technological advancement, thus lea...