expense over earned premium moreover increased from 58.1 % in the same period last year to 63.5% this year because the term and condition of compulsory motor policies had been adjusted in accordance with

, and eventually dropped. Premium on certain policies had been adjusted to suit their corresponding risks. Also, earned premium had risen by 16.45% Motor insurance contributed 75.29% to the company’s

uniformed standards while providing Issuers with guide rails on best market practices for green bonds. Key additional features of the ASEAN GBS The ASEAN GBS are aligned and guided by the four core components

-Bonds/June-2018/Social- Bond-Principles---June-2018-140618-WEB.pdf 4 ASEAN SOCIAL BOND STANDARDS 2018 Key additional features of the ASEAN SBS The ASEAN SBS are aligned and guided by the four core

Chemicals Public Company Limited | 2 % Adjusted EBITDA Margin Quarter 2/2016 Quarter 1/2017 Quarter 2/2017 Business Unit Methyl Ester 7.2% 6.2% 6.3% Fatty Alcohols 6.3% 11.3% 24.7% Management’s discussion and

the factors mentioned above, the company had Adjusted EBITDA Margin in quarter 3/2017 of 355 MB increased from quarter 3/2016 which was 239 MB and had Adjusted EBITDA margin for the period of 9M/2017 of

growth and returns while maintaining our market leadership over the long term. Guided by our core strategies of “Customer Centricity” and making KBank the Customers’ Main Bank for all eight customer

sustainable growth and returns while maintaining our market leadership under sound corporate governance and appropriate risk management. Guided by our core strategies of “Customer Centricity”, KBank has decided

over the long term. Guided by our core strategies of “Customer Centricity", KBank has decided to redefine our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred

. บรษัิท โกลบอลกรนีเคมคิอล จํากดั (มหาชน) Management’s Discussion and Analysis | 3 Note : (1) Adjusted EBITDA refers to EBITDA excluding impact of Stock Gain/(Loss) and NRV Operating Performance Table 1