-financial-innovation Nakarin Amarase, Ph.D. Head of External Affairs, Corporate Strategy Function, Siam Commercial Bank PCL. SEC Capital Market Symposium 2023 Financial Innovation Economic Growth Creativity

(25.36) (5.55%) Depreciation 137.32 124.10 13.22 10.65% Amortization 82.61 78.25 4.37 5.58% EBITDA 651.85 659.62 (7.77) (1.18%) 2. ECONOMIC SITUATION Thailand economic situation in Q1/2020 in Central and

clients over the previous 12 months, and 3) continued efficiency improvements of cogeneration power plants after gas turbine upgrade. Stable IU volume with well portfolio diversification Despite the

responsibility must be lived up with to boost confidence and upgrade standards in corporate governance for companies listed in Thailand.Mr. Rapee Sucharitakul, Secretary-General of the Securities and Exchange

1,240.35 (112.24) (9.05%) 2. ECONOMIC SITUATION Thailand economic situation in Q2/2020 in Central and Eastern regions contracted compared to the same period of 2019 due to the COVID-19 pandemic, which are

guidance documents for determining the emissions upgrade requirement. For more information on the Climate Bonds Initiative and the Climate Bonds Standard & Certification Scheme, see https

1 3Q20 MD&A Advanced Info Service Plc. Executive Summary Continued economic impact on mobile business despite improved pandemic situation in Thailand With well-managed pandemic situation, domestic

traction from the first quarter. The ongoing economic rebound was mainly driven by exports and tourism, whereas domestic spending and investment only gradually picked up. Still, the economy has yet to see

maintained its growth momentum. Similarly, Thailand’s major economic indicators continued to exhibit growth, as evidenced by brighter exports, government spending and private spending on certain items of

Normalized Net Profit (NNP) to owner to THB 674 million in Q2’2020, despite unfavorable economic situation from COVID-19 pandemic. Key growth drivers were 1) continued expansion of portfolio capacity to 3,019