environment, but its lending and deposits in the third quarter of 2018 grew further, with lending expanding at a higher rate than deposits. Consequently, the loan to deposit ratio has risen from the previous

was Bt6,644mn, decreasing -1.7%YoY as D&A rose from new spectrum and expansion and decreasing -7.3%QoQ from unrealized foreign exchange loss and tax benefit in 4Q20. Market and Competitive Environment

demonstrated a cautious growth from expansions of private consumption and tourism sector, while facing global and local economic headwinds and challenges from high interest rate environment. Overall, AIS

economic environment in the third quarter continued to pose a challenge for commercial banks’ business operations so lending and deposits continued to grow at a slow pace. As deposits grew at a higher rate

measures to release the economic impact. Having considered the above-mentioned circumstances, the Bank of Thailand lowered the Thai economy growth outlook in 2020, from an increase of 1.5-2.5% to a decrease

Baht) Year Increase (Decrease) 2019 2018 Amount % Total Revenues 562.58 575.16 (12.58) (2.19) Costs and Expenses 563.21 554.34 8.87 1.60 Profit (Loss) -Net 1.04 18.11 (17.07) (94.26) Income of Sale and

Statement Cash Flows Statement Accounting Financial Ratios Business Performance Executive Summary Statement of Income 19 of Financial Position Environment Management 3 3 | Management Discussion and Analysis

: 1. Sales Revenue 1.1 Sales revenue for the 3-months period ended 31 October 2019 For the 3-months period ended 31 October 2019, INGRS registered sales revenue of Baht 695.34 million, a decrease by

provide the digital lending via online platform to enhance the access to financial service 3Q21 MD&A Advanced Info Service Plc. 3Q21 MD&A Advanced Info Service Plc. Market and Competitive Environment The

ศ. ดร.พรอนงค์ บุษราตระกูล เลขาธิการ สำนักงานคณะกรรมการกำกับหลักทรัพย์และตลาดหลักทรัพย์ (ก.ล.ต.) กล่าวปาฐกถาพิเศษในหัวข้อ “The Right to a Clean, Healthy and Sustainable Environment: Redefining