project and reserve as working capital and liquidity. 2. To propose to the Annual General Meeting of Shareholders to consider and approve the Financial Statement of the Company for the year ended 31

have risen abruptly, especially the rapid evolution of digital technology, intensified effects of climate change, and regulatory changes in the financial business. To cope with these issues, most

requires high spending. Page 5 4. Financial Position of the Company and its Subsidiaries (Unit: Baht Million) 30 September 2017 31 December 2016 % Change Cash and cash equivalents 37 92 -60% Trade

% 25.5% 24.3% Adjusted net profit margin 22.5% 27.1% 28.2% 1Adjusted for share of investment in JV and associates and non-recurring expenses. 2As shown in financial statement, excluding minority interest

institutions of THB 2,399mn and (vi) decrease in bank overdrafts and short-term loans from financial institutions of THB 60mn. BUSINESS PLAN AND OUTLOOK In 2019, we aim to lay a solid foundation for our

from THB 10.0mn donation to “Better Lives Foundation” as well as the administrative expense and expenses related to feasibility study research on new projects domestically and internally, because the

addition 93,100 83,300 99,000 6.3% 19% FBB ARPU (Baht/user/month) 446 407 407 -8.9% —% Classification: Internal 1Q23 MD&A Advanced Info Service Plc. 3 1Q23 Financial Summary Revenue In 1Q23, AIS recorded a

billion) of income, an 11.7 percent increase from 2016. The main driver of tourism income was spending by Chinese tourists. Meanwhile, global financial markets experienced occasional volatility amid

needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

both financial and non-financial services, as we continue to gear up for being “The Bank of AEC+3” along with being a Regional Digital Bank. We have established our business direction primarily by