Discussion and Analysis EXECUTIVE SUMMARY SIGNIFICANT EVENTS ABBREVIATION & OUR PROJECTSFINANCIAL PERFORMANCE FINANCIAL POSITION PROGRESS OF PROJECTS UNDER CONSTRUCTION EXECUTIVE SUMMARY 1 MOU signing with

rate translation, revenue from sales grew by 6.7% YoY at constant FX. The growth drivers lie in our core businesses, both domestic beverages and personal care with the growth of 6.6% and 10.7

Conversion Project in preparation for compliance with IFRS 9, and progress was steady. In 2018, the project worked with public agencies via the IFRS Club and the Thai Bankers’ Association, and reached a

of assets 80.74 and loss from sales of investment 2.90 million baht Projects under construction as at September 30, 2019 As of 30 September 2019, the company has 3 construction projects on progress

of assets 80.74 and loss from sales of investment 2.90 million baht Projects under construction as at March 31, 2018 As of 30 September 2019, the company has 3 construction projects on progress, with a

million cards, has grown by 1% more than last year. Credit Card receivable was 394,123 million baht, with the growth of 9% from the same period last year. For personal loan industry, the numbers of account

, KBank continued to implement the IFRS Conversion Project in preparation for compliance with IFRS 9, and progress was steady. We monitored and pushed for operational guidelines appropriate for Thailand via

summary of the risk management or allocation of IT resources in a year, etc.; (b) any progress of the IT project (if any); (c) any compliance with the regulations, rules or agreement made with external

overall construction progress of Carnival Magic Project is going according to the plan despite the setbacks from Phuket’s weather in 2017 with more rains compared to other years. In addition, the shortage

of the risk management or allocation of IT resources in a year, etc.; (b) any progress of the IT project (if any); (c) any compliance with the regulations, rules or agreement made with external parties