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
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
monitoring given that general elections are expected to take place in early 2019. Thai Banking Industry The commercial banking system in Thailand continues to face challenges from an uncertain economic
election, which is expected to take place early of 2019. Thai Banking Industry Although the commercial banking system in Thailand is facing challenges from an uncertain economic environment, its lending and
calls would have some short term impact. As lockdown period remains uncertain and social distancing continues, telecom remains to be essential service to both personal and business communication. Mobile
Thailand remained stable. Capital funds and reserves were at a high level and were able to support the challenges of uncertain economic conditions. The performance of the Thai banking system improved, mainly
social distancing practices put in place to combat the viral transmission, which have posed a new challenge to our competitiveness, while we have sought new business opportunities to secure our status as a
Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR). The BOT has granted a temporary relaxation on liquidity, adjusting the LCR and NSFR to lower than 100 percent until 31 December 2021, in
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