by MSCI (with country GPR data availability) between 1985 and 2019, from Refinitiv Datastream. ❑ Dependent variable used to measure firm value is Tobin’s Q. ❑ To ensure the results are robust, we
resource utilization, along with better IT systems to ensure that we will attain our business goals. All of the above endeavors and satisfactory operating performance, together with sound corporate
1.50 percent for almost all of 2018 to accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry and Competition In the second quarter of 2018
accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry, Competition and Emerging Risks Banking Industry and Competition Commercial banks’ overall
expectations in terms of social responsibility and environment.In view of this, the board of directors, as the governance body, should ensure that the company has in place a mechanism to govern decision-making
directions that focus on effective, timely and proactive integrated risk management (IRM), internal operation efficiency, maximized resource utilization, along with better IT systems, to ensure that we will
Fitch National rating: AA+ (THA), Outlook: Stable S&P BBB+, Outlook: Stable Source and Use of Fund: 1H20 (Bt.mn) Source of fund Use of fund Operating cash flow 43,114 CAPEX & Fixed assets 12,661 Sale of
% YoY) would continue from pressure in cost. AIS FY22 CAPEX will remain approx. 30bn to ensure that we continue to invest adequately for 5G network quality leadership. Market and Competitive Environment