, 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
to mid-single digit, while maintaining EBITDA outlook with low-single digit decline and CAPEX of around Bt35bn. Market and Competitive Environment In 3Q20, mobile competition remained stable as all
hire purchase loans declined slightly from the end of 2018. For asset quality, the Non-Performing Loans (NPLs) to total loans ratio for 1Q19 remained stable at 4.1% from the end of 2018. On Special Asset
environment and stable competition along with the strategy to focus on quality customers, value uplifting through cross-sells and upsells, and increased tourist-related usages. However, it softened minimally
Credit Loss The consolidated expected credit loss in the fiscal year 2023 amounted 7,240 million baht, remained stable in comparison to last year. However, the expected credit loss in the fourth quarter
managing potential risks from service provision; (c) having a work procedure and an internal control system with details covering the operation as specified in Clause 4. In this regard, the applicant for a
potential risks from service provision; (c) having a work procedure and an internal control system with details covering the operation as specified in Clause 4. In this regard, the applicant for a license
borrower in accordance with the rule under Clause 9, and to process and report data on level of risks incurred in securities borrowing and lending to its executives in accordance with its internal guidelines
Clause 9, and to process and report data on level of risks incurred in securities borrowing and lending to its executives in accordance with its internal guidelines on internal control and risk management
internal guidelines on internal control and risk management related to SBL business which has been previously set in writing and approved by the board of directors of the business operator; (2) arrange to