capture value- to-money segment amidst weak spending environment. AIS will be focusing on creating differentiation through personalized products and services and enhancing retention program as well as

creating differentiation through personalized products and services and enhancing retention program as well as digitalizing channels and operational processes to gain fair market share and expand our scale

powered by partnership collaborations to better engage our customers with personalized and real-time offerings. • Fixed broadband to leap forward with quality and coverage – FMC (Fixed-Mobile-Content

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...

provide smart personalized “Financial and Life Solutions” to the right customer at the right time. We continue our endeavor to deliver an excellent customer experience with ever-greater consideration of

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending June 30, 2019 The Thai economy faced increased headwinds in the second quarter of 2019. Exports, tourism and private investment – among major economic activities – were hampered by the worse-than-expected global economic slowdown. Meanwhile, consumers’ purchasing power weakened amid high household debt, whereas public investment and the government’s budget disbursement were aff...

, Highly Acclaimed: Best App for Customer Experience, Highly Acclaimed: Best Customer Relations & Brand Engagement Initiative, Highly Acclaimed: Outstanding Personalized 1:1 Marketing Initiative and Highly

” concept. All of these endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept, and to provide smart, personalized financial and life solutions to the

personalized lending experience  Proactive Risk & Compliance Management: Proactively identifying potential risk and establishing loss prevention and detection  New Growth in Regional Market: Exploring new