percent due largely to an increase in net fees and service income, and revenue from capital market products. Net interest income increased Baht 255 million or 1.11 percent, as a result of rising interest

, private consumption and tourism. Both private and public investments remain largely at stable levels whilst consumer spending is constrained due to high household debt levels, decline in agricultural

baht, respectively, largely caused by the exclusion of the allowance for doubtful receivable of the disposed subsidiaries. At end of 2017, net trade receivables and other receivables represented 23% of

by 1% y-y; loans receivable of 47,988 million baht, increasing by 10% y-y; hire purchase receivable of 5,186 million baht, increasing by 145% y-y which largely came from the expansion of auto loan

and a decrease in net premiums earned - net. Meanwhile, net interest income rose Baht 1,556 million or 6.57 percent, due largely to interest income from loans and investments. Net interest margin (NIM

at BBB+ for S&P. Cash Flow In 2018, AIS generated Bt69,132mn of operating cash flow (after tax) increasing 5.5% YoY following the improved EBITDA. Cash CAPEX was Bt20,198mn, largely declining from

The costs of services decreased by 27.8% from the six months ended of year 2019 to THB 785.4 million for the six months ended of year 2020. The decline in costs of services was largely consistent with

largely consistent with the increase in revenues from the opening Project CROSSROADS Phase 1 Hotels. The Cost of services for the Project CROSSROADS Phase 1 consists of costs relating to hotel rooms, food

increase went from 1.5% in April 2022 to 20.7% in September 2022, contribution largely from Vietnamese, Malaysian, and Singaporean tourists. In addition, the company forecasts that in 2023, revenue from

11,635.8 11,316.6 319.2 2.8 For the Q2 2024, the Company’s total assets decreased by Baht 1,798.5 million, largely attributable to decrease of trade account receivables and other current financial assets