integration of acquired businesses, the start of earning recovery in our high-volume Necessities business and our stable but higher-margin HVA business. We delivered record earnings and cash flows and expect

reviewed to be more consistent with the current market landscape. This will benefit further development of international cooperation to be more comprehensive and efficient.

Thai Economy in the Third Quarter of 2018 Overall, the global economy exhibited ongoing growth. However, signs emerged that many countries, particularly emerging economies, which had been under pressure

appropriately and sufficiently in line with the number of clients and the transaction volume;  2)    Rectifying the client acceptance policy to be consistent with the work systems capable of providing services

the general public to believe that UMI shares were purchased or sold in great volume at that time which was not consistent with the normal market conditions on purpose to lure the general public to

with ongoing data consumption demand, supported by rising tourist arrivals, benefiting the prepaid segment. Competition continued shifting towards value- based offerings with more benefits and

and an increase in net interest income in line with loan growth, which was consistent with rising net interest margin (NIM). Excluding net profit from investment and income from auction of mortgaged

relevant to the CRA, consistent with the applicable credit rating methodology that is in effect. Therefore, the CRA should establish, maintain, document, and enforce policies, procedures, and controls to

, which helped support investors’ confidence. This is despite the fact that this factor, coupled with the stable policy rate, resulted in increased volatility in money and capital markets as well as foreign

-competitive environment. The revenue recorded at Bt10,064mn, an increase of 19% YoY. AIS focuses on a fixed-mobile- content convergence (FMC) strategy alongside consistent service standards and introducing