earnings. Financial ratios Profitability: AIS continued to deliver profitability with an EBITDA margin of 48.4% from well-managed cost amid a rising cost environment and pressure from price competition while
parts. The prospect of lower oil prices is likely to push down headline inflation in 2019, while core inflation is expected to be stable, reflecting more modest growth in private consumption. It is likely
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
Bank and its Subsidiaries Million Baht Item Quarter Change (%) Year Change 4/2017 3/2017 4/2016 3/2017 4/2016 2017 2016 (%) Net profit * 8,496 8,161 8,267 4.1% 2.8% 33,009 31,815 3.8% Earnings per share
, private consumption and tourism. Both private and public investments remain largely at stable levels whilst consumer spending is constrained due to high household debt levels, decline in agricultural
to mid-single digit, while maintaining EBITDA outlook with low-single digit decline and CAPEX of around Bt35bn. Market and Competitive Environment In 3Q20, mobile competition remained stable as all
revenue decreased by 5.3% from 3Q17 due to a decrease in revenue from Education Business and revenue recognition from leased right assignment in the same period last year. Earnings before Interest, Taxes
1.9% 6,302 1.8% Total Liabilities 274,397 77% 267,116 76% Retained earnings 57,103 16% 57,109 16% Others 24,722 6.9% 25,292 7.2% Total Equity 81,825 23% 82,402 24% Key Financial Ratio 2Q21 1Q22 2Q22
% Retained earnings 57,103 16% 52,880 15% Others 24,722 6.9% 25,333 7.3% Total Equity 81,825 23% 78,214 23% Key Financial Ratio 3Q21 2Q22 3Q22 Interest-bearing debt to equity (times) 1.2 1.1 1.2 Net debt to
% Retained earnings 57,103 16% 52,880 15% Others 24,722 6.9% 25,333 7.3% Total Equity 81,825 23% 78,214 23% Key Financial Ratio 3Q21 2Q22 3Q22 Interest-bearing debt to equity (times) 1.2 1.1 1.2 Net debt to