Advanced Info Service Public Company Limited (AVIFY) Q2 2026 Earnings Call Transcript

Good evening, everyone. Welcome to our second quarter of 2026 results conference call. First, let me introduce our management, our CEO, Khun Pratthana. We also have our CFO, Khun Tee. Our Chief Enterprise Officer, Khun Phupa, our Chief Retail Business, Khun Prapat. And this quarter, we have two new chiefs to be present for you guys. You guys may have not met them yet. We have our Chief of Mobile Officer, Khun Lertchai. Chief Broadband Officer, Khun Yordchai and myself are sitting behind the camera, and I will be briefing you the results and running this session.

So before we begin today's session, let me quickly introduce our virtual bank Click, which was launched in July with deposit products and now has just launched the lending service. The platform is powered with alternative data, enabling a faster and smarter loan approval process and connecting with AIS Points and privilege program. So if you are paying with Click, you get 10x the points. So if anyone of you haven't test our lending mechanism, please go ahead and do so. Now let