check national ID card validity via the electronic system of the Department of Provincial Administration (DOPA). (2) Non-face-to-face identity verification: Banks must apply biometric comparison

investment technologies plus varied functions in alignment with investor behavior in the digital era. KASIKORN ASSET MANAGEMENT CO., LTD. remained at the top of the mutual fund business. KASIKORN LEASING CO

8.30 percent to 17.88 percent. The increased gross profit rate from trading business of telecommunication towers , which resulted in economies of scale lead to lower costs. 3. Sales and administration

administration costs: Sales and administration costs of the 3rd quaternary for the year 2017 was MTHB 87.79 increased MTHB 3.34 or 3.95 percent comparing to the one of the amount MTHB 84.45 for the 3rd quaternary

additional investment to upgrade office building’s facilities. - Administration expenses increased due to additional headcount required for the succession plan. Extraordinary items included 15.2 million baht

- - - - -33.64 -100.00 Profit before Selling and Administration expenses 60.37 47.40 33.87 -13.53 -28.54 -26.50 -43.90 Selling expense 9.18 8.54 11.26 2.72 31.85 2.08 22.66 Administration expense 34.78 30.99 25.73

purchase 0.00 0.00 0.00 0.00 0.00 0.00 0.00 Profit before Selling and Administration expenses 48.29 33.87 39.31 5.44 16.06 -8.98 -18.59 Selling expense 11.70 11.26 11.33 0.07 0.62 -0.37 -3.13 Administration

in normal administration. 3. Finance cost was Baht 14.84 million; increased Baht 1.19 million or 8.72 % This is the result from increasing in short term loans from financial institutions using for

intensified and currency exchange fluctuated. Loss on exchange rate amounted to 4.9 mil. baht. Selling and administration expenses were about the same as last year. - Profit for the period fell 34% from 48.9

administration expenses as to some expenses prepared for investment in other companies. Please be informed. Yours Sincerely, Panya Boonyapiwat Chairman