) Environmental uncertainty (Cormier al, et, 2013) Personal aims of the managers, i.e. conservative or aggressive (Rodrigues & Esteban, 2012) Economic/Financial crisis (Latridis & Dimitras, 2013; Trombetta

export sector. In addition, the household consumption expanded by 3.1%, compared with 2.2% in the previous year, which was supported by the government stimulus measures at the end of 2016. The Thai economy

end. At the same time, the industry competition is anticipated to remain high with pricing strategy to address low affordability. Amid this uncertainty, AIS continue to focus on creating differentiation

economic slowdown resulting in declining export and plunging tourists’ spending especially Chinese tourists. The instability in Thailand politic and election in March 2019 slowed public investment. High

end of 3Q20, the BIS ratio will increase to 18.70% while Tier-1 ratio will be 14.24%. The Bank Tier 1 capital are all Common Equity Tier 1 contributing to 75.44% of total capital reflecting high quality

economic recovery once the outbreak is contained. Looking forward, the Thai economy will continue to face a high level of uncertainty so the MPC is standing ready to use additional appropriate monetary

re-opening the telecom shops in malls. Meanwhile, price competition remained fluid as operators continued offering low-end unlimited data plans in prepaid segment. Despite these challenges, we

expanded at a slower pace compared with the same period last year due to a contraction in merchandise exports resulting from uncertainty in the trade policies of major countries and the Baht’s ongoing

2018 primarily due to the US-China trade war and global uncertainty contributed negative impact on export growth. The growth of credit card business in Thailand continue expansion due to overall economic

initial launch period was supported by popularity of high-end 5G handset such as iPhone12 while introduction of 5G handsets under Bt10,000 in 1Q21 were expected to accelerate 5G adoption rate for the rest