totaled Baht 9,929 million, decreasing Baht 115 million or 1.15 percent from the previous quarter. KBank still recorded increased income. As evidenced, both net interest income and non- interest income rose

78% YoY, primarily decreasing from refinery business group which recorded a lower Total GRM due to the lower finished oil product demand following the COVID-19 outbreak. Moreover, in Q2/2019, Inventory

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