level of household debt while inflation remains at a low level. Other key risks that need to be monitored are the slowdown in global economy especially the Chinese economy, lower than expected growth in

household debt including lower household income especially in the non-farm sector limiting household consumptions. Meanwhile, in the auto industry, the total number of car sales for the first eight months of

debt including lower household income especially in the non-farm sector limiting household consumptions. Meanwhile, in the auto industry, the total number of car sales for the first 9 months of 2019

income and net fees and services income while other non-interest income declined. Operating expenses also declined yoy from effective cost management and largely driven by lower loss from revaluation of

HVA BOPET film segment  Strategic fit with synergies and value creation potential  Strong platform for innovation and growth 10-Oct-17 (Signed: 10-Oct-17) 2018E Brazil PET  Entering new continent as

projects and higher utilization rates, offset by lower EBITDA per ton of $136 in 3Q 2018 vs $155 in 3Q 2017. While the Necessities Fibers portfolio continued to outperform, supported by improved commodity

Policy Committee (MPC) resolved to lower the Thai policy rate to 1.50 percent from 1.75 percent – its first such move in four years – in its meeting held on August 7, 2019. Thailand Economic Growth Sources

also signaling that there would be three rate hikes this year; markets have mostly factored in this interest rate uptrend. At the same time, short-term Thai bond yields dropped on lower-than-expected

management, and favorable industry outlook. Risk Intensity Ranking Best-in-class Environmental Moderate Risk Social Moderate Risk ✓ Governance Moderate Risk 85 90 95 100 105 110 O c t- 1 9 N o v -1 9 D e c -1

a specific offering price determined by the resolution of a shareholders’ meeting pursuant to the TorChor. 72/2558 Notification, where the offering price is not lower than 90 percent of the fair value