operations and exposures in commodities • Impairment issues • Heightened cost controls at audit clients • Governance challenges (cannot get or retain strong directors) Layoffs Reduced capacity Audit fee
purchasing power. However, from Sep-21 onward, restrictions were gradually lifted, resulting in some improvement in consumer spending. Meanwhile, competition in mobile industry remained elevated as operators
fees and service income resulting from the cancellation of funds transfer fees via digital channels and a decrease in net premiums earned - net. Furthermore, certain banks were burdened with increased
that Thailand's 2020 GDP will fall by -6.7%, which is close to the Tom Yam Kung crisis. There are measures to stop living at home to stop the infection to stop the transmission of the corona virus 2019
campaign boosting customer’s spending. In addition, price competition has heightened, underpinned by the low fixed-speed unlimited plans which limit the ARPU growth. For 5G service, our 5G network continued
backdrop of protracted trade tensions and increased risk that no common trade deal would be reached by the US and China. Furthermore, concerns over an impending recession were elevated, as evidenced by a
to a stronger growth of trading partners’ economy, and in terms of prices on the back of rising global crude oil price. Tourism sector continued to expand, private consumption gradually increased
compared to the year before. Net interest income increased by Baht 4,150 million or 4.21 percent due mainly to interest income from loans and investments. Net interest margin (NIM) therefore stood at 3.31
676,700 FBB net addition 35,600 39,700 50,600 51,600 53,300 FBB ARPU (Baht/user/month) 637 635 618 610 597 9M18 Snapshot For 9M18, AIS’s total revenue increased by 7.5% YoY to stand at Bt125,271mn