in line with income from investments, an increase in net premiums earned - net, and revenue from capital market products. Nonetheless, given one extraordinary item – an increase in retirement reserves

maintain its strong economic fundamentals, with a current account surplus of USD 37.3 billion, approximately 6.8 percent of GDP, and international reserves standing at 1.3 times its total foreign-currency

not yet fully recovered due to the concern over 2nd wave of COVID-19 pandemic, international travel restriction in many countries and slowdown of economic recovery as well as business cutting down

3Q21 MD&A Advanced Info Service Plc. Executive Summary Slight revenue improvement despite COVID restriction measures and continued competition During 3Q21, the economy remained subdue from COVID

) 83,668 80,137 92,165 4.4% (9.2)% Ratio of NPL to total loans 3.5% 3.4% 3.8% 0.1% (0.3)% Ratio of loan loss reserves to NPL 189.0% 190.9% 159.3% (1.9)% 29.7% Total capital adequacy ratio 18.12% 17.96% 17.97

shall undertake the securities borrowing and lending business within that restriction. In the case where the business operator under the first paragraph wishes to relax or remove such restriction, the

May 1999. (Translation) -5- after license has been given,, the business operator shall undertake the securities borrowing and lending business within that restriction. 20 In the case where the business

Lending (No. 2) dated 26 May 1999. (Translation) -5- after license has been given,, the business operator shall undertake the securities borrowing and lending business within that restriction. 20In the case

Mine’s reserves, PDI stopped its mining activities in 2016 and ceased the conventional zinc business end 2017, whilst sustaining part of the zinc related activities under a metal trading business

this regard, the Company reserves the rights to propose Chairman of the Board of Directors. Benefits to the Company : 1. Diversify business for the group of companies 2. Enhancing new revenues and net