%, improving YoY align with business expansion and higher sales margin, while improved QoQ due to lower Network OPEX from efficiency initiatives. 3Q24 MD&A Advanced Info Service Plc. 4 Financial position Total

remaining available credit. Customers can also verify cheque status, both received and issued, and the system gives advance notice of potentially returned cheques. Working with Advanced Info Service Plc and

Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK in 2018 and Outlook for the Next Five Years 23 3.3 Customer Segments and Services 25 3.4 Service Channels 31 3.5 Awards and