.  Criteria Related to Recovery Plan for Enhanced Stability and Problem-Solving The Bank of Thailand issued Notification of the BOT No. SorNorSor. 16/2561 (2018) Re: Commercial Banks Required to Prepare

Risk Management Process A credit risk management process, from portfolio management to recovery and collection, has been established and continuously enhanced to appropriately reflect risk involved, as

Risk Management Process A credit risk management process, from portfolio management to recovery and collection, has been established and continuously enhanced to appropriately reflect risk factors, as

portfolio management to recovery and collection, has been established and continuously enhanced to appropriately reflect risk involved, as well as promote business capability.  Portfolio Management KBank

experiencing the lowest revenue due to the temporary closure of our operations because of the Covid-19, however the recovery of production volume was seen at end of the 3rd quarter, continuing with favorable

the contribution from the HVA business of $540 million reflecting margin recovery in the Necessities industry. IVL is strongly positioned for the current market environment, enhanced with Necessities

personal loan revenues and higher bad debt recovery. In addition, in September the Company launched “AEON Thai Mobile Application” which is new financial innovation to meet lifestyle in digital era and

rating to be enhanced from its stand-alone rating. On a stand-alone basis, TRIS’s view remains unchanged. The Company’s business performance has been relatively strong and stable from its well-diversified

third quarter of 2017, buoyed largely by tourism and exports. Nonetheless, the economic recovery was not broad-based, as evidenced by sluggish private consumption. While certain businesses were still

Quarter 2018 MD&A 1 Indorama Ventures Public Company Ltd Management Discussion and Analysis 3rd Quarter 2018 Milestone Revenues and Earnings, Structural Improvements, Enhanced Portfolio and Geographic Reach