การให้บริการและการขออนญุาตเพื่อรองรับการเปิด -ปิดสาขา การน า เทคโนโลยีมาใช้ในการให้บริการ และการขยายประเภทตวัแทนของธนาคาร (Banking Agent) ทัง้นี ้ธนาคารพาณิชย์ต้อง 5 จดัให้มีการบริหารความเสีย่งและกา

of the insurance company; (b) letter of guarantee of a commercial bank, finance company, or financial institution established under a specific law; (c) other collateral prescribed by the Office

implemented cost management program to reduce fixed expense items such as salary and benefits, professional fee and office rental. Finance Costs Finance costs consist of lease payments under the sub-lease

-15% QoQ from one-time income in 2Q24. Finance cost was Bt2,293mn, increasing 68% YoY, due to higher interest-bearing debt from TTTBB acquisition and interest from 3BBIF right-of-use asset, while

: million baht April-June January-June 2019 2018 Variance 2019 2018 Variance MB % MB % Net profit (loss) for the period (698.1) (82.0) (616.1) (751.3) (187.2) 637.3 (824.5) (129.4) Plus: Finance Cost 429.6

baht July-September January-September 2018 2017 Variance 2018 2017 Variance Amount % Amount % Net profit (loss) for the period 39.6 (142.2) 181.8 127.9 676.9 (97.8) 774.7 792.2 Plus: Finance Cost 475.5

: 2,679.0 million baht), an increase 149.3 million baht or 5.6 percent. Profit before finance costs, tax expense, depreciation and amortization was 2,377.1 million baht (year 2018: 2,232.5 million baht) or

%. Finance cost was Bt1,293mn, inclusive of Bt523mn deferred interest from spectrum licenses. The finance cost increased 72% YoY due to an increase in borrowings to support spectrum acquisition and network

% 275.3 263.4 4.5% EBITDA 489.0 496.1 585.4 (1.4%) (16.5%) 1,074.5 1,137.5 (5.5%) EBITDA Margin 55.6% 56.3% 61.6% 58.7% 60.7% Finance cost (38.6) (42.1) (39.1) (8.3%) (1.3%) (77.7) (62.1) 25.1% Income tax

%, compared to 41.2% last year and to the full year guidance of 42-44%. Net profit declined 7.5% YoY to Bt22,377mn due to increased D&A and finance cost following 4G investment and spectrum license acquisition