businesses also enabled the Company improve its ability to capture a wider portion of the earnings value chain. These strategies have led to IVL becoming a global industry leader not just in terms of market

Baht 40.6 million (or +4.1%) and the Food Business of Baht 75.6 million (or +16.6%). An increase of Net Profit mainly resulting from the more effective debt management that enabled the Company to reduce

and subsidiary companies of the Group. The change is a result of the merger in 2012 which enabled KKP to expand its service capabilities to meet the needs of more customers with the objective of

from data analytics, enabled banks to target, attract and engage customers using more sophisticated techniques. Banks cooperated with potential partners across industries to gain new opportunities and

E_1 Legal_FA_2015_12_29-c A FFeeCCoorrppLL44..11hhiigg A Executive Summary Management Discussion and Analysis For the Quarter Ended September 30, 2017 The Thai economy maintained steady growth in the third quarter of 2017, buoyed largely by tourism and exports. Nonetheless, the economic recovery was not broad-based, as evidenced by sluggish private consumption. While certain businesses were still fragile, others remained mired in uncertainty in terms of new modes of competition, a broader market...

products and services, our staff members can offer customers advisory services along with products suited to their needs for increased business efficiency. In this quarter, we assisted our clients in the

tourism industries, KBank granted them credit lifelines to ensure that they have sufficient liquidity to stay afloat. Regarding customers with business potential, we offered advisory services and assisted