presenters and should not be treated as those of the SEC Thailand. • These slides are not to be posted (on any websites or public domains), cited, copied or circulated. 2 Revenue recognition 3 Revenue

faces 4 stakeholder-related ESG controversies linked to the two following domains: Human Resources and Business Behaviour. The frequency of the controversies is considered “occasional”6. The severity of

) arrange network services agreements (including service levels, management requirements, and security mechanisms of all network services) with vendors; (3) segregate network domains properly, define the

) arrange network services agreements (including service levels, management requirements, and security mechanisms of all network services) with vendors; (3) segregate network domains properly, define the

conditions, taking into account customer segments, product domains and industry outlooks, to maximize returns from each customer segment portfolio under defined risk appetite. We have adopted credit risk

domain. Each of these domains continues to grow at the rate of 6-7% annually and offer the potential for multi-billion dollar businesses individually. Growth in the fiber business comes as a result of

the establishment of loan growth target in alignment with prevailing economic conditions, taking into account customer segments, product domains and industry outlooks, to maximize returns from each

establishment of loan growth target in alignment with prevailing economic conditions, taking into account our customer segments, product domains and industries, to maximize returns from each customer segment

with that, we developed our business in various dimensions – from customers to product domains and service channels – so that customers’ financial service needs are efficiently met by 9 our solutions and

developed our business in various dimensions – from customers to product domains and service channels – so that customers’ financial service needs are efficiently met by our solutions. These undertakings