1 FY20 MD&A Advanced Info Service Plc. Executive Summary Mobile business affected by weak economy and competition in data pricing Slowdown in economic and business activities had been observed

1 1Q21 MD&A Advanced Info Service Plc. Executive Summary Mobile revenue slightly recovered QoQ following strong acquisition and government stimulus In late 4Q20, the new phase of outbreak had re

, assessed and developed in every service channel including physical branches, electronic branches, banking services outside branches, digital channels, K-Contact Center and KBank Service for appropriate

20230208-ADVANC-MDA-4Q22-EN Classification: Internal FY22 MD&A Advanced Info Service Plc. 1 Executive Summary Maintaining growth in core products amid cautious economic recovery 2022 displayed an

ที่ ITV / 2545 - Translation - AIS-CP 015/2020 18 June 2020 Subject: Establishment of new joint venture and subsidiary company To: President The Stock Exchange of Thailand Advanced Info Service Plc

3Q21 MD&A Advanced Info Service Plc. Executive Summary Slight revenue improvement despite COVID restriction measures and continued competition During 3Q21, the economy remained subdue from COVID

.  Debt Quality Monitoring KBank has developed risk indicators to monitor and control asset quality, as well as credit-utilization behavior, as early warning signals to prevent deterioration in credit

1 2Q20 MD&A Advanced Info Service Plc. Executive Summary 2Q20 reflected the full effect of COVID-19 The effect from COVID-19 pandemic which had begun since Feb- 20 continued to fully develop in 2Q20

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

1 2Q21 MD&A Advanced Info Service Plc. Executive Summary Prolonged economic impact from new phase of pandemic in 2Q21 As the new phase of pandemic re-emerged in the second quarter, we observed the