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set robust environmental standards for the market. • As many of you know, IFC is at the forefront of creating green financing markets in Asia, including Thailand. Through our recent sustainable

via mobile phone. A smart model has been created for analysis of customer data in terms of financial behaviors and lifestyles to facilitate our clients in gaining access to loan anytime as desired. The

E_1 Legal_FA_2015_12_29-c A WWCCoorrppLL44..11hhiigg A Executive Summary 1 Management Discussion and Analysis For the Year Ended December 31, 2017 In 2017, Thai economic growth gained traction, buoyed by strong recoveries in tourism and exports. This growth momentum is expected to carry on into 2018, especially amid a brighter outlook in public and private investment. Nonetheless, the business sector remained challenged by new modes of competition in a broader marketplace amid the advancing digi...

-competitive markets. A notable initiative in this quarter was K PLUS SME – the KBank mobile banking application that answers to the needs of customers to monitor account transactions, credit limits, and

(“the Company”) are pleased to submit this Management Discussion and Analysis for the three-month and nine-month periods ended 30 September 2018 with details as follows: Summary overview Thailand Mobile

Holding Company investing in retail business such as mobile phone distribution and accessories, non-performing debt management, real estate development, hire purchase (associated company), personal loan

1 2Q19 MD&A Advanced Info Service Plc. Executive Summary Competition in mobile saw an improvement In 2Q19 the price competition in mobile industry had improved with fixed speed unlimited data pricing

1 1Q19 MD&A Advanced Info Service Plc. Executive Summary Mobile growth remained soft from ongoing price competition Overall mobile market in 1Q19 reflected industry's effort in gradually

1 FY18 MD&A Advanced Info Service Plc. Executive Summary Maintained leadership in mobile business In FY18 competition in mobile industry remained elevated particularly on data pricing with fixed