year to 2.40 percent due to an increase in yield on loans and, combine with a decrease in cost of deposits following an expansion of low-cost deposits in savings and current accounts. Net interest income

% 43 60 38% Gross profit margin 45% 55% 54% (1%) 9% 45% 54% 9% 1H/2017Q2/2017 Change +/(-) 1H/2016Q1/2017Q2/2016 2.4 Combine Heat and Power Producing Company Limited (CHPP) : VSPP Unit: THB million 12

Combine Heat and Power Producing Company Limited (CHPP) : VSPP Operating Performance Q3/17 Q2/18 Q3/18 Changes +/(-) 9M/17 9M/18 Changes +/(-) (THB million) QoQ YoY YoY Revenue Revenue from selling chilled

, and birds, including 7 great shows of performers, which are the main products. In addition, it also provides the open zoo, the marine park, and the bird park that combine several kinds and species of

Rama 9 next to CentralPlaza Grand Rama 9. The 4,500-square meter co-working space is a joint venture between the Company and Common Ground Malaysia to create destination and combine work and living

Alpha, Beta, and Now…Gamma David Blanchett, CFA, CFP® Head of Retirement Research Morningstar Investment Management Paul Kaplan, Ph.D., CFA Director of Research Morningstar Canada August 28, 2013 Morningstar Investment Management Page 2 of 27©2013 Morningstar. All rights reserved. This document includes proprietary material of Morningstar. Reproduction, transcription or other use, by any means, in whole or in part, without the prior written consent of Morningstar is prohibited. The Morningstar I...

challenges including large numbers of civil servants on their boards. Line ministries combine de facto shareholder powers in SOEs with policy and sometimes regulatory functions for both SOEs as well as the

Investor Strategies for Incorporating ESG Considerations into Corporate Interactions www.blackrock.com www.ceres.org Century21st Engagement Investor Strategies for Incorporating ESG Considerations into Corporate Interactions [ 5 ] FOREWORD The Value of Our Voice ......................................................................................................................................... 1 How ESG Megatrends Are Shaping Valuation ...........................................................