Thailand was decreased by 31.0% YoY due to the COVID-19 pandemic in China since the beginning of the year. This caused a significant decrease in revenue as Chinese tourist was one of the major clients of the
Enterprise businesses which rose on digitization demand from home and business customers. The mobile business leadership was sustained with AIS focusing on quality acquisition and profitable segments despite
remaining relatively stable across regions. While some operators continue offering discounts and promotions to attract new subscribers, others are introducing convergence services to attract new customers
the new deposit account services continuously which had the various products to meet the appropriate of the customers. The bank has provided the products by offering the incentives rate alongside the
for nine-month periods ended September 30, 2018 and 2019, our management’ s assessment of the factors that may affect our prospects and performance in future periods. The following discussion and
customers. The products and services of the bank can be divided into 4 categories as follows: 1. Deposit Account Services The bank has designed the variety of new deposit products and services with higher
of various customer groups by offered return of an investment incentives and various benefits for customers which is boost competitive advantage of the bank. In addition, the bank holds various
suitable for occupations and financial positions of various customer groups by offered return of an investment incentives and various benefits for customers which is boost competitive advantage of the bank
continuously which had the various products to meet the appropriate of the customers. The bank has provided the products by offfering the incentives rate alongside the any benefits which increased the