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
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
accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry, Competition and Emerging Risks Banking Industry and Competition Commercial banks’ overall
-agricultural sector, which was partly supported by government measures. Although the number of overseas tourists was stable, there was a decline in the export sector which has been affected by the trade dispute
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
value-added services and innovative products tailored to customer demands for fast, stable internet, along with enhanced home experiences through content bundles and IoT add- ons. Enterprise services have
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
capacity utilization following a steady contraction in export value. Meanwhile, public investment expanded as a result of an acceleration in disbursements by the government. Headline inflation in the second
. enjoyed continually high loan growth. In addition, Muang Thai Life Assurance PCL retained its leadership in the bancassurance business, holding the second largest market share in total premiums. To secure
11% QoQ. In conclusion, for 9M19, AIS reported a robust core service revenue growth of 5.2% YoY with a 44.2% reported EBITDA margin, both in-line with guidance. Partnered to secure use of towers in