, KBank applies world- class standards for liquidity risk indicators, such as the Liquidity Coverage Ratio (LCR) and Net Stable Funding Ratio (NSFR), in our liquidity risk control and management. KBank has

YoY with a margin of 43%. Normalized EBITDA was Bt38,659mn increasing 2% YoY, with a margin of 43.7% in line with the full-year guidance of stable YoY. With the 1800MHz spectrum license acquired in Sep

, increasing +96.2% YoY. The gross profit margin was relatively stable as high proportion of the costs was revenue sharing costs to marketing partners which vary according to the income. Services income from

, trading and construction. Demand for consumer loans is likely to increase in the credit card sector, while demand for housing loans and other personal loans will be stable. Demand for auto-leasing will tend

year. As the loan quality was relatively stable, the ratio of gross non-performing loans (NPL) to total loans was 2.9 percent, nearly the same level at the end of 2017. The Bank of Thailand’s Senior Loan

shares PAGE 4 MANAGEMENT DISCUSSION & ANALYSIS (MD&A) Q3 2019 Executive Summary In Q3/2019, TRIS Rating assigns the company rating on Global Power Synergy PLC (GPSC) at “AA -” with “stable” rating outlook

climate change adaptation in 2021 version: “including efforts to make infrastructure more resilient to impacts of climate change” • “Eco-efficient and/or circular economy adapted products production

Map’s intelligence and the SDG Impact Standards to build a more resilient future.

-aligned, CDP holds the largest environmental database in the world, and CDP scores are widely used to drive investment and procurement decisions towards a zero carbon, sustainable and resilient economy. CDP

Thailand’s Secretary-General, said “We are delighted to welcome the Philippines as a new signatory to the ASEAN CIS Framework, which fosters more inter-connected, inclusive, and resilient ASEAN capital