cautious in expanding high-risk loans. As of August 31, 2023, the Company had business distributions as below; Number of Networks and Merchandise Partners Aug 31, 2022 Feb 28, 2023 Aug 31, 2023 Branches

with business partners. However, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in

, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in expanding high-risk loans. As

economy demonstrated cautious growth driven by tourism-related sector expansion and subsided inflation, while facing political uncertainties and global economic risks. AIS core service revenue reported at

, decreasing of 128 million baht or 2% q-q and 12% y-y. This is the result of the COVID-19 pandemic situation and economic slowdown has made consumers more cautious on spending, especially in cash loan products

different opinions from the Board of Directors' opinions. The company certifies that this information memorandum is accurate, complete and has been prepared with prudence and conservative based on the

economic environment, the growth of commercial bank lending will likely slow. Banks will closely and continuously monitor loan portfolios and adopt cautious lending policies. This, coupled with the Bank of

focus on specific customer groups to reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht Consolidated Separated 1Q/22

considered the conservative basis therefore set estimated loss from cost over income and allowance for advance payments palm oil total amount of Baht 45.4 million. In 2018, the Company discontinued the

level of household debt and conservative spending are continue to hinder domestic consumption by limiting consumption with only necessary items, decreasing in spending frequency and low- price. The