expressed or implied by such forward- looking statements. Please note that the company and executives/staff do not control and cannot guarantee the relevance, timeliness, or accuracy of these statements
the relevance, timeliness, or accuracy of these statements. Contact us: http://investor.ais.co.th | investor@ais.co.th | (66) 2 029 5014 http://investor.ais.co.th/ mailto:investor@ais.co.th
by such forward-looking statements. Please note that the company and executives/staff do not control and cannot guarantee the relevance, timeliness, or accuracy of these statements. 9 2Q20 MD&A
1"" 10 J0% non-progressive rate 4. large exposure risk 4 1 "'(0 $ R )' #). (#%I#0# 4 E3K$1. (#%I#0# 4!4 .&. .&.+#-! .&. (#%I#0# 4 3' J00' % /0."). 3 1 .. 54 60 " 10 : ' # Large exposure risk
conflicts of interest arising due to the relationships that may compromise or appear to compromise the independence and objectivity of credit rating operations; Transparency and timeliness of ratings
/timeliness of the research • Evaluation of the objectivity and independence of the recommendations 10 MATERIALITY Governance Climate Change Location Company-specific Sector/Industry Investment Horizon CFA
-looking statements. Please note that the company and executives/staff do not control and cannot guarantee the relevance, timeliness, or accuracy of these statements. Contact us: http://investor.ais.co.th
achievements expressed or implied by such forward-looking statements. Please note that the company and executives/staff do not control and cannot guarantee the relevance, timeliness, or accuracy of these
achievements expressed or implied by such forward-looking statements. Please note that the company and executives/staff do not control and cannot guarantee the relevance, timeliness, or accuracy of these
-looking statements. Please note that the company and executives/staff do not control and cannot guarantee the relevance, timeliness, or accuracy of these statements. Contact us: http://investor.ais.co.th