governance, appropriate risk management and effective cost management. At the same time, we have focused on collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai

allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this quarter. C

related numerous documents and information. The SEC granted a 30-day extension ending 8 March 2017. KC must also disclose the amended financial statements and the results of the special audit via the SET

governance, allowed KBank and K Companies to meet business targets, gaining wide acceptance and marks of recognition at home and abroad, as reflected in the numerous awards we received in this quarter. B

reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Third Quarter of 2017 1 1.2 Banking

Budget Act and drought. Furthermore, domestic spending may be limited due to weakening purchasing power and hefty household debt. Apart from economic woes, businesses face numerous other challenges that

of digital technology, which has shaped a new trend of consumption amid intensified borderless business competition via digital channel. To brace for these numerous challenges, KBank prioritizes the

and satisfactory operating performance allowed KBank and K Companies to meet business targets and at the same time gain wide acceptance and recognition at home and abroad, as reflected in the numerous

of 3,600 tons per annum and having numerous industrial and non-industrial applications used by global leading brands. This acquisition will further enhance the HVA portfolio of IVL. The value of the

business targets as we gained wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in 2017. Under our redefined strategies for the next three years, KBank