Re: Application Form for Permission for Offer for Sale of Newly Issued Debt Securities and Reporting (No.2)
household debt means that it will take more time for consumption to recover. The Thai economy will continue to face external challenges, which pose risks to the global recovery and therefore Thai exports
in previous year. Other revenues consist of bad debt recovery, which was 441 million baht or 8% of total revenues, collection service income was 55 million baht, insurance broker business income was
power, as farm income continued to be constrained by low prices of agricultural products and nonfarm income remained lackluster. Moreover, high levels of household debt caused the generation of new loans
revenues were 5,093 million baht, an increase of 553 million baht or 12% y-y. This is the result of an increase in credit card and personal loan incomes as well as bad debt recovery continue to improve. As
. Challenges persisted, including uneven income recovery, restrained spending in mid to low-income segments, high household debt, and global macroeconomic uncertainties. As a consequence, the overall economic
107 42% 132 97 36% Operating Cash Flow 240 249 258 (7)% 923 966 (4)% Net Operating Debt to Equity (times) 0.45 0.39 0.84 (46)% 0.45 0.84 (46)% 1Consolidated financials are based upon elimination of
investment. The headline inflation rate is 0.6%, while the unemployment rate for the 3Q/2024 stood at 1.02%. Despite these positive trends, the K-shape recovery has led to a continued rise in household debt
, continued growth of bad debt recovery by 33% y-y as well as a strong growth from overseas businesses. As of November 30, 2018, the Company has active billings of 3.16 million transaction per month and 2.14
expansion due to ongoing recovery in private consumption and the tourism sector during the festive season, despite delayed government budget disbursement. Overall, AIS reported core service revenue of