8% at end-18. Our focus on quality acquisition has brought in healthy revenue stream and provided us vital customer access at home . In 2019, deployment of FMC (Fixed-Mobile Convergence) strategy will

strategy of diversifying its revenue streams within its area of core competence. This same strategy has continued to play a vital role in its ability to deliver industry- leading performance and providing a

competence. This same strategy has continued to play a vital role in its ability to deliver industry- leading performance and providing a natural hedge against short-term volatility in product margins.  Core

negative growth for over the past 2 years according to Nielsen Thailand, but also play a vital role in expanding current domestic business of the Group and in the future in relation to the growing demand and

independence of CRAs vis- à-vis the entities and obligations they rate is vital to achieving this goal. Provisions of the IOSCO CRA Code, dealing with CRA responsibilities to rated entities, obligors

investors and other users of credit ratings assess credit risks. Maintaining the independence of CRAs vis- à-vis the entities and obligations they rate is vital to achieving this goal. Provisions of the IOSCO

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...

well-prepared, and ready to fine-tune business strategies in a timely manner to remain competitive. 4. Regulatory Risk Given that commercial banks are deposit-taking institutions which play a vital role