Literacy and QoL Financial Literacy Quality of Life Fintech Adoption Risks and Uncertainty to Adopt New Technology Security Risk Operational Risk Financial Risk Leisure-Freedom-Internal Locus of Control

-changing consumer behavior. Given the increased degree of uncertainty in global economies and politics, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Within this

debt restructuring. 4.9 Property, plant and equipment It shall disclose following detail: Assets value Accumulated depreciation Inferior value allowance bring forward at the beginning of the period

following detail: Assets value Accumulated depreciation Inferior value allowance bring forward at the beginning of the

Property, plant and equipment It shall disclose following detail: Assets value Accumulated depreciation Inferior value allowance bring forward at the beginning of the period increase decrease/ disposal

against USD. In general, AIS has policy to mitigate currency risk using forward contract to partially cover capex payable. Finance cost was Bt1,386mn, decreasing -11%YoY due to lower interest rate and

Thai economy in the third quarter was still affected by the prolonged COVID-19 outbreak and the uncertainty of the epidemic situation of the new Omicron strain of COVID-19. In order that, the

Concentration 2.5. NPAs Concentration by Region by Type 3. Key Financial Ratios 4. Forward Looking Statement 4.1. BAM’s Business Opportunity 4.2. COVID-19 Impact 4.3. Land and Building Tax 1. Key Highlights in Q2

driving forces that help advancing Thai economy towards a stable and sustainable growth but to propel it forward requires considerable collaborative efforts from all stakeholders. As the integrity of

resilient towards the volatile money market and capital market, as well as maintain its financing cost at an optimum level for its businesses going forward. Dividend On May 15, 2020, the Board of Directors