continues driving our revenue growth amidst the uncertainty in all business segments but faced challenges in the bottom line due to an impact from the increased cost. AIS takes efforts in executing cost

services to uplift the ARPU. Sustaining growth in the bottom line with profitable revenue focus and cost discipline. 3Q23 provided an EBITDA of Bt23,674mn, increasing 7.2% YoY and 1.5% QoQ with a healthy

ensuring customers enjoy the best service experience on the AIS 5G network. As of 1Q24, 5G subscribers reached close to 9.9 mn. Solid bottom line growth from core business growth and profitability focus AIS

E_1 Legal_FA_2015_12_29-c A WCorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2018 In 2018, the overall Thai economy maintained its growth due largely to healthier growth of exports and tourism, especially in the first half of the year. Meanwhile, the government continued to implement measures to promote and strengthen the domestic economy through support of investment and private spending as well as bolstering opportunities for other econo...

Personal loan 8,132 3.1 7,993 3.4 1.7 Micro SMEs loan 7,741 3.0 7,954 3.3 (2.7) Housing loan 24,234 9.4 21,663 9.1 11.9 Commercial Lending 59,766 23.1 60,899 25.6 (1.9) Real Estate Development loan 30,738

(enhances market share in personal hygiene and establishes fiber manufacturing footprint in Russia and India), Kordarna (propel IVL to the Number 2 global position in tire cord business and strengthens its

personal loan business to Boonterm kiosk’s Master Agents (MAs), sub-agents, MAs’ employees, and FSMART affiliated companies’ employees since the middle of December. The Company also offered CRM activities

would opportuniti mart.co.th an business of personal lo Analysis, Q3/2 mited ding 30 Sep n at the end s to consu holders’ Eq ding 30 Sep an 2016 at e short-term holders’ Equ earning incr times and t l

government spending and economic stimulus measures such as the reduction of personal income tax rates and adjustment of minimum wage, including investment in large infrastructure as well as the government

%. An increasing was mainly from administrative expenses which results from bad debt allowance in lending business and personal expense increase from business expansion. Operating profit in 2017 was 1,109