loans contracted at 8.1% from the end of 2016. For asset quality, the amount of Non-Performing Loans (NPLs) showed considerable improvement with the Non-Performing Loans (NPLs) to total loans ratio at the

loans ratio at the end of 2017 declining to 5.0% from 5.6% at the end of 2016. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 987 million and had gain of

Position Post-TFRS 9&16 Key Financial Ratio Post-TFRS 9&16 (Bt mn/% to total asset) 4Q19 3Q20 3Q19 2Q20 3Q20 Cash 19,637 6.8% 16,634 4.7% Interest-bearing debt to equity (times) 1.6 1.3 1.6 ST investment

Advanced Info Service Plc. Financial Position Key Financial Ratio (Bt mn/% to total asset) 4Q20 1Q21 1Q20 4Q20 1Q21 Cash 18,421 5.3% 17,750 4.9% Interest-bearing debt to equity (times) 1.5 1.3 1.3 ST

13.8% 21.6% Net profit margin -0.8% 8.2% Efficiency ratio 30-Jun-19 30-Jun-18 Return on equity* 0.8% 9.9% Return on asset* 2.5% 7.5% Liquidity ratio 30-Jun-19 31-Dec-18 Current ratio (time) 0.70 1.35

13.8% 21.6% Net profit margin -0.8% 8.2% Efficiency ratio 30-Jun-19 30-Jun-18 Return on equity* 0.8% 9.9% Return on asset* 2.6% 7.5% Liquidity ratio 30-Jun-19 31-Dec-18 Current ratio (time) 0.70 1.35

0.8% 1,997 0.7% Net debt to equity (times) 1.9 1.7 1.4 Trade receivable 16,361 5.6% 15,887 5.4% Net debt to EBITDA (times) 1.2 1.3 1.1 Inventories 3,823 1.3% 3,615 1.2% Current Ratio (times) 0.5 0.5 0.6

novation has no effect to the required Debt to Equity ratio due to the MRTA is fully responsible for the loan repayment according to the concession agreement. Overview Operational Results In the third

required Debt to Equity ratio due to the MRTA is fully responsible for the loan repayment according to the concession agreement. Overview Operational Results In the year 2017, the Company had the net profit

ภาระผูกพัน (debt service coverage ratio) (4) อัตราหนี้สินรวมต่อส่วนของผู้ถือหุ้นรวม (debt to equity ratio) (5) อัตราส่วนสภาพคล่อง (current ratio) (6) อัตราส่วนตั๋วเงินจ่ายต่อหนี้สินที่มีภาระดอกเบี้ย (B/E