operators and the lower of purchasing power of middle-low income. The QoQ declined was due to the number of days in 1Q19 less than previous quarter for 2 days. For more information, the average mobile top up
Budget Act and drought. Furthermore, domestic spending may be limited due to weakening purchasing power and hefty household debt. Apart from economic woes, businesses face numerous other challenges that
restriction measures limiting business activities while government offered some subsidies that partially supported consumer purchasing power. Restrictions were gradually relieved beginning September including
WINNER store to expand its target segmentation of mass market. The new concept of a smaller size furniture store will focus on penetrating second-tier provinces and cities where Index Living Mall store has
economy for the first quarter of 2019 continued to expand driven mainly by domestic demands. Private consumption expanded in all categories supported by the improvement in purchasing power from the rise in
implemented in some areas and business activities contributed to economic recovery. Private consumption contracted in consistent with low purchasing power and confidence. Meanwhile, the tourism sector
establishing and pending promulgation of 2020 capital expenditure and 4) Consumption and investment of private sector was shorten in the meantime household purchasing power weakened from income, unemployment
Management Sub-committee Information Technology Strategy Sub-committee Digital Oriented Risk, Data & Cyber Security and IT Risk Management Sub-committee (DCSC) Enterprise Risk Management Division Customer
appropriate level. However, the allowance for ECL to accounts receivables is at 8.9%, covering both SM Stage 2 and NPL Stage 3. Accounts Receivable Segmentation Credit Card 43%Personal Loan 48% Hire Purchase 9
บริหารระดับสูง 12 ด้านท่ี 2 การคัดเลือกผลิตภัณฑ์และการจัดกลุ่มลูกค้า (Product Selection and Client Segmentation) 14 ด้านท่ี 3 การสื่อสารและการให้ความรู้แก่คนขาย (Communication and Training Program) 16 3.1