16.21% while Tier-1 ratio was at 12.42%. 10 When including profit up to end of 1Q19, the BIS ratio will increase to 17.81% while Tier-1 ratio will be 14.01%. Business Segment Performance The Kiatnakin

Competitive Environment Mobile market in 1Q19 continued to face pricing pressure. Although competition in postpaid segment has improved with most of low-tier fixed-speed unlimited plans discontinued, several

Environment The mobile market environment in 2Q18 remained competitive. Postpaid segment continued its growth with more varieties of mid-tier handsets to encourage migration of prepaid to postpaid while

mobile revenue decreasing 0.2% YoY and 1.1% QoQ. However, as the low-tier fixed-speed plans had been seized, we expect the pressure on ARPU to gradually ease. On fixed broadband business “AIS Fibre”, we

acknowledgement to create awareness of the IT security in the use of the cloud computing; (7) define clear roles and responsibilities of the cloud provider such as the data backup, the helpdesk services, the

management that should be applied by each intermediary and for determining a clear detail of practical approaches suitable for size and complexity of business operation of companies. In addition, the

clear detail of practical approaches suitable for size and complexity of business operation of companies. In addition, the intermediaries should study standards and practice guidelines for business

shall have a clear scope of work and shall not combined with other units which will lead to conflict of interest; □ (2) Procedures in controlling person in and out of the unit responsible for custody the

unit responsible for custody of private fund assets shall have a clear scope of work and shall not combined with other units which will lead to conflict of interest; □ (2) Procedures in controlling

apparently inconsistent with the client's financial records and no clear justification is given by the client concerning the source of fund; (6) transactions that are not economically viable e.g. client