quarter but may be restrained by vulnerable and highly uncertain household income as well as elevated household debt. These factors are causing customers to be cautious on spending. Moreover, the tourism
mobile market remained elevated with continued low-price unlimited data plans, especially in the prepaid segment i.e. 150-200 Baht for 4-15mbps unlimited data. There is also 5G offerings at a lower price
. Management Discussion and Analysis 2.1. Selected Financial Position and Operating Results 2.2. Cash Collection from NPLs and NPAs Management Businesses 2.3. Vintage Analysis 2.4. NPLs by Portfolio
partly because the overall household purchasing power was not sufficiently strong and household debt remained elevated. Private investment picked up in line with the improved economic outlook, and with
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
Limited Part 1 Page 9 Information Memorandum Vintage Analysis: The Company maintains a portfolio of credit for the purchase of receivables and properties for sale acquired at various points in time Loans
prescribed by TFRS, and so our methods of calculation may differ from methods of calculation used by other companies for similar items. บริษทับริหารสินทรัพย ์กรุงเทพพาณิชย ์จ ากดั )มหาชน( หนา้ 14 4.4 Vintage
, domestic demand would be restrained by elevated household debt, some signs of moderation in earnings and employment in the export-related manufacturing sector, as well as public spending and public