Competitive Environment In 4Q17, the mobile competitive landscape was stable in terms of both handset campaigns and pricing. Postpaid segment continued to be a key focus with handset campaigns to gain new
SME loans will be relatively stable compared with the previous quarter. Demand for consumer loans is likely to decrease significantly due to the Covid-19 outbreak and public health measures. Some
of utility services in Q1/2018 compared with those in the same period of 2017, (while utility service income is stable), are attributable to the road and water system repairing cost. ▪ An increasing
grows not much because the company has been cautious in lending to potential customers to pay back. In terms of debt collection, J Fintech maintains a relatively good debt collection rate. By collecting
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
Projection by KResearch Ye ar -o n- Ye ar C ha ng e (p er ce nt ) 2 for almost all of 2018 to accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry and
administration (as disclosed on the SEC Office’s website) as well as the SEC Office’s methods for 2 collecting, using and disclosing personal data. (The Personal Data Protection Policy is downloadable from the QR
the new products. Therefore, the overall sales figure of the quarter remains stable. 2. The consolidated gross profit margin was 13.14%, increased from the same period of last year at 8.12%. The company
of March 2019, deposits continued to expand while loans dropped slightly. Consequently, the ratio of loans to deposits declined from the end of 2018. However, loan quality was relatively stable as the
digit driven by all business segments. EBITDA margin is expected to be stable while budgeted for CAPEX of Bt20-25bn (see guidance on page 6). Significant Event for FY19 Since 1 January 2019, AIS has