Total loan loss reserve/ Total mandatory reserve 186.3 186.3 184.4 182.4 167.0 170.9 170.9 4 Profit and Loss Transaction For the year ended December 31, CONSOLIDATED Change (BAHT'000) 2019 2018 Amount

-impaired (POCI) 5 Profit and Loss Transaction For the three-month period ended March 31, CONSOLIDATED Change (BAHT'000) 2020 2019 Amount % Interest income 4,840,262 4,440,556 399,706 9.0 Interest expenses

outstanding loans totaled Baht 1,249 million increased when comparing to Baht 509 million from the end of 2019 due to the change in classification from TFRS 9 for financial assets classified as Purchased or

revenues EMS business The Company had revenue from EMS business for the second quarter of 2019 amounting to Baht 387 million. There was no significant change compared to the same period of the previous year

business for 2019 amounting to Baht 3,361 million, a decrease of Bath 120 million or a decrease 3% compared to that previous period amounting to Bath 3,481 million. There was no significant change compared

significant change compared to the same period of the previous year. Gross Profit and Gross Profit Margin EMS business The Company had gross profit for the first quarter of 2019 amounting to Baht 74 million

of foreclosed assets. Current outstanding loans totaled Baht 1,128 million. Assets under SAM were subjected to change in classification from TFRS 9 for financial assets classified as Purchased or

446 432 -5.7% -3.1% *Note: there has been a change in the definition of MOU’s calculation since 2021 2Q22 MD&A Advanced Info Service Plc. 3 2Q22 Financial Summary Revenue In 2Q22, AIS generated total

- 2019 Balance by Quarter Change Q2–19 Q1–19 Q2–18 Q2–19 VS Q1–19 Q2–19 VS Q2–18 (Million Baht: MB) (MB) % (MB) % Total Revenue 1,730.1 1,266.8 1,029.9 463.3 36.6 700.2 68.0 Total Operating Expenses

execution date of the Agreement to sale and purchase shares. For the outstanding share price in the amount of THB 28,954,958.77 (calculated based on the Director’s Loan amount at THB 274,845,041.23) or any