be consistent with consumer’s behavior. Moreover, our revenue from bad debt recovery continued growing by 31% y-y. Details of each business can be described as follows: Profit and Loss Statement

cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of

driven by genuine consumer demands. Enterprise business rebounded with a better economic certainty. Non-mobile enterprise business reported a revenue of Bt1,520mn, growing 20% YoY and 14% QoQ, mainly from

the quality of assessment in addition to expanding insights on corporate governance practices of companies across participating countries. The assessment using the revised Scorecard will commence in Q2

effectively. Consequently, we recorded Bt5,251mn in revenue, growing 26% YoY. Soften EBITDA from cost pressure AIS EBITDA in FY22 was Bt89,731mn, dropped -1.8%YoY mostly from a surging electricity price and

fast growing market through a quality bank of scale  Uniquely positions the Bank to capture new and expanding opportunities arising from increasing ASEAN financial and economic integration  Increases

negative growth for over the past 2 years according to Nielsen Thailand, but also play a vital role in expanding current domestic business of the Group and in the future in relation to the growing demand and

of the company. And, more often than not, clearly articulated investors’ views and questions will influence company leaders’ thinking, particularly if they reflect a growing consensus. As investors, we

. AIS Fibre continue to focus on targeting AIS mobile subscriber base to cross-sell in order to achieve higher value ARPH (Average Revenue Per Household). Growing EBITDA and continued cost conscious In

3Q19, the total number of mobile subscribers was 41.6mn, growing 2.2% YoY, and flat QoQ. The growth mainly came from an increasing number of postpaid subscribers contributed 22% of total subscribers. The