by thriving exports and tourism. Manufacturing production fared better, in line with manufacturing sector indicators tracing the promising trends in core economies. Against this backdrop, KResearch

customer experience, AIS will continue to enhance IT processes & systems, autonomous network, data analytics, and people capability. Optimal capital allocation will be executed to improve efficiency to

of principal payment only, suspension of both principal and interest payment, and granting of credit lines to boost liquidity. Major points can be summarized as follows: (1) Credit Card: Reduction of

lending are implemented. For deposits, pricing competition may be limited as most banks have turned their focus to improved capability in gaining access to new customers via electronic channels to boost

sustainable growth in profitability amid the challenging cost environment. AIS will continue the journey to enhance the autonomous network and improve IT processes & systems to unlock higher efficiency and

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

0.5 percent of the total Thai workforce. This group of workers falls short of their work potential, having more time and seek to work full-time job. It is a real challenge for Thailand to enhance the

network slicing, and 5G private network. Throughout 2H21, our enterprise business was reinforced by a strategic partnership with Microsoft, which helped widen our product suites and enhance AIS’ s

have developed online payment solutions to accommodate the thriving e-sports industry in Thailand, with priority given to convenience, speed and accuracy of payments.  Large Corporate Business KBank

net profit margin of 10.13%. This decrease resulted from cost of sale, cost of distributions and administrative expenses have increased. Thus, the company planned to boost domestic sales, develop new