personalized packages to drive ARPU. The handset market improved from the previous quarter, fueled by the new iPhone launch. The fixed broadband industry sustained growth despite seasonal challenges during the
-related usage. The resumed growth was driven by delivering superior quality in network and services with value-based package structures, together with the deployment of personalized cross-selling upselling
to mid-single digit decline. EBITDA (pre- TFRS16) stood at Bt76,619mn, decreased –2. 7% YoY with focusing on cost control and in- line with low single digit decline EBITDA guidance. Net profit ( pre
postponed their investments to transform as they focused to secure the bottom line. Classification: Internal FY22 MD&A Advanced Info Service Plc. 2 Mobile Business 4Q21 3Q22 4Q22 %YoY %QoQ Subscribers
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
Industry and Competition 2 1.3 Regulatory Changes 2 2. Risk Management and Risk Factors 5 2.1 Credit Risk Management 5 2.2 Market Risk Management 5 2.3 Liquidity Risk Management 6 2.4 Cyber Risk Management 6
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
Environment 1 1.1 Global and Thai Economy in 2019 and Outlook for 2020 1 1.2 Banking Industry, Competition and Emerging Risks 2 1.3 Significant Regulations and Rules related to Business Operations 5 2. Risk
agencies while also adding efficient tools to ensure market stability through the following actions: (1) a Capital Market Development Fund has been established; (2) the Stock Exchange of Thailand is required
2020 1 1.2 Banking Industry and Competition 2 1.3 Significant Regulations and Rules related to Business Operations 3 2. Risk Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk