Investor Return – Mind the Gap ©2015 Morningstar, Inc. All rights reserved. Kittikun Tanaratpattanakit Investor Return – Mind the Gap Agenda 2 gBackground g The Real Test is Whether Investors Succeed

it is partly offset by slowdown Thailand tourism after the boat accident of Chinese tourists in July 2018. Q3’18 operating performance Hotels Q3’17 Q2’18 Q3’18 Santiburi Beach Resort & Spa No. of room

Road Accident Victims Protection Company Limited. Kindly be informed accordingly. Yours sincerely Wichai Intaranukulkij Managing Director

proportion of average claim expenses over accident related to voluntary motor insurance increased from Baht 21,138 in the previous year to Baht 22,094 in the reported year. Net investment income, gains on

reduce of service fee income received for income from Road Accident Victims Protection Company Limited. Kindly be informed accordingly. Yours sincerely Wichai Intaranukulkij Managing Director

Road Accident Victims Protection Company Limited. 3. Increase of income tax benefits from last year in the amount of 10.13 million baht. Kindly be informed accordingly. Yours sincerely Wichai

earned premium moreover increased from 58.46% in the same period last year to 60.18% this year because of the fact that the average amount of claim expenses over accident related to voluntary motor

Accident Victims Protection Company Limited. 3. The increase of income tax benefit from the same period of last year in amount of Baht 1.64 million. Kindly be informed accordingly. Yours sincerely Wichai

Investor Strategies for Incorporating ESG Considerations into Corporate Interactions www.blackrock.com www.ceres.org Century21st Engagement Investor Strategies for Incorporating ESG Considerations

Investor type Customer relationship management Financial Literacy Financial Literacy Research Objectives 1. Clustering Thai investor types based on their investment portfolio allocation. 2. Investigates the