has developed the innovation products and digital financial services for provide the time saving to the customers, expense saving and convenient service such as: 3.1 LH Bank M Choice Service is a
and to enhance the financial services with expertise in wealth management, digital banking and trade finance of CTBC Bank through Land and Houses Financial Group which consists of; - LH Financial Group
sectors consists of Big Coroporate and Corporate Loan, SMEs and SME Loan, and Retail Loan. 3. Fianancial Electronic Services Presently, Thailand will move to the Digital Transformation and the government
interest margin 2.48% 2.46% 2.34% 0.02% 0.14% Net fees and service income to operating income ratio 23.9% 24.3% 24.1% (0.4)% (0.2)% Expense to operating income ratio 42.6% 56.2% 39.9% (13.6)% 2.7% Return on
started its positive contribution to NPAT. Continued growth in digital services AIS digital services continued to scale in size focusing on growing user base both in consumer segment and enterprise
Page | 1 Management Discussion and Analysis Q2/2020 JMART Management Discussion and Analysis Q2/2020 Synergy Digital Transformation eX Growth Business Model Page | 2 Management Discussion and
transactions occurring in the past six months prior to the date on which the Board of Directors of the Company resolved to approve the entry into this transaction i.e. the disposal of assets of Nation Digital
4.9% QoQ caused by higher demand for digital solutions e.g. Cloud and ICT solutions. In this quarter, non-mobile enterprise services contributed approximately 3.8% of core service revenue. Soften EBITDA
, especially in the large enterprises. We continue to see the long-term trend of digital transformation driving the fundamental demand of enterprises to gradually transform their operation and business models