percent, edging up slightly from 0.6 percent in 2017 given steady improvement in overall domestic demand. On December 19, 2018, the Bank of Thailand raised the policy rate for the first time in seven years

is success in increasing rent and service income continuously, the revenue structure will be more stable in the long term. In additional to rent and service income, the Company recorded property

E_1 Legal_FA_2015_12_29-c A FFeeCCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended September 30, 2017 The Thai economy maintained steady growth in the

guidance of +7-8% YoY. In 1Q18, AIS spent Bt6.5bn of CAPEX to deliver quality 4G network and has been active in reinforcing brand image especially via online media. As a result, mobile business grew 3.1% YoY

quarter, net interest income advanced over-quarter and over-year. Likewise, net interest margin (NIM) was stable from the previous quarter. This reflected commercial banks’ attempts to manage funding cost

, which helped support investors’ confidence. This is despite the fact that this factor, coupled with the stable policy rate, resulted in increased volatility in money and capital markets as well as foreign

% at constant FX rate. However, the reported numbers showed stable growth due to the unfavorable FX impact. Beverages Segment Domestic beverages net sales were at THB 4,388 million, THB 171 million

that provide greater customer convenience, speed and reliability with ever-greater consideration of consumer protection and customer privacy. To secure our status as a leading financial institution which

digit driven by all business segments. EBITDA margin is expected to be stable while budgeted for CAPEX of Bt20-25bn (see guidance on page 6). Significant Event for FY19 Since 1 January 2019, AIS has

retained its leadership in the bancassurance business, holding the third-largest market share in total premiums. To secure our status as a leading financial institution which can efficiently cope with