supervision of personal loan business to include car title loan, to allow grassroots-level consumers improved access to loan at a reasonable cost and ensure fair conditions for them. Revise criteria to allow
transfer thereof. The remaining purchase price of THB10 Million shall be payable on the due date after the anniversary of the closing date of the transaction in order to ensure that all assets and relevant
ensure work efficiency and effectiveness to satisfy changing customer’s demand. Various business strategies and marketing plans to be implemented after COVID-19 were crafted especially for each business
customers and employees. The Group constantly monitors the situation to manage and mitigate risks, assess the impact on the business, and ensure that the operations comply with additional health and safety
locations to ensure maximum safety of all stakeholders – customers, employees, business partners and communities. The most noticeable change since the COVID-19 pandemic is customer purchasing behavior, which
the debtor no more than once a day. KBank has thus communicated to our collection officers to ensure that they perform in compliance with this notification, while also arranging preparations for timely
optimized and strategically invest for future growth To ensure healthy cash flow and preserve profitability, AIS places focus on cost optimization for operation and SG&A. We expect EBITDA to decline at low
5G coverage as device penetration grows. Maintain profitability with well-manage cost control To ensure healthy cash flow and preserve profitability amidst uncertainty in 2021, AIS’ approach to
efficiency. As we aim to lead the 5G market, we will ensure an effective capital allocation to extend our leadership and capture growth segments. As a result, we expect EBITDA expansion at a low-single-digit
% YoY) would continue from pressure in cost. AIS FY22 CAPEX will remain approx. 30bn to ensure that we continue to invest adequately for 5G network quality leadership. Market and Competitive Environment