remained sound as banks continued to closely monitor credit quality and maintained high levels of loan-loss provision, capital fund and liquidity to facilitate further credit expansion. Credit Rating LH
term. In addition to achieving revenue growth, the company-wide cost optimization is ongoing and translated into EBITDA expansion of +9% YoY and +2.4% QoQ to stand at Bt18,905mn, a reported margin of
4G and fixed broadband network expansion. • Network OPEX was Bt6,879mn, increasing 38% YoY and 26% QoQ mainly due to the change in accounting treatment on the partnership with TOT since 1Q18. Excluding
was Bt22,843mn, rising 2.1% YoY, following EBITDA expansion while offset by higher network D&A. 3 3Q18 MD&A Advanced Info Service Plc. 3Q18 Financial Summary Revenue In 3Q18, total revenue increased 9.2
remained strong as banks continued to closely monitor credit quality and maintained high levels of capital fund and loan-loss provisions to facilitate credit expansion going forward. Credit Rating Land and
remained strong as banks continued to closely monitor credit quality and maintained high levels of capital fund and loan-loss provisions to facilitate credit expansion going forward. Credit Rating Land and
for quality broadband at home despite customers returning to their pre-covid routines combined with the expansion of service coverage in suburban areas. ARPU still faced a downward trend from low-price
Page 4/21 Overview of Economy and Competition in Commercial Banking In the second quarter of 2019, the Thai economy continued to expand due mainly to the expansion of domestic demand. Private consumption
Page 4/21 Overview of Economy and Competition in Commercial Banking In the second quarter of 2019, the Thai economy continued to expand due mainly to the expansion of domestic demand. Private consumption
the Third Quarter ended 30 September 2018 Page 4/21 For the banking sector in the third quarter of 2018, commercial bank loan continued to increase in line with the expansion of domestic demand