equity, so the marketing activities has been arranged with sales plan improvement and promotion efficiency spending. 95.07% 95.71% 95.53% 4.93% 4.29% 4.47% 3Q18 2Q19 3Q19 Sales Other Income 63.04% 64.71

. Focusing and developing E-commerce with potential partners 4. Focusing cost-efficiency and productivity • Utilizing information technology (IT) system to optimize operation and resources • Optimizing human

production automation under the scheme of Delta Smart Manufacturing. The company believes that it would benefit the company by enhancing energy saving and improving the productivity both in short and long term

has been overseen by Credit Risk Management Sub-committee and Credit Process Management Sub-committee to ensure efficiency and effectiveness in all relevant processes, thus allowing KBank to deliver a

enhance the speed and efficiency of the trading process of corporate bond. Currently two companies have issued and offered corporate bonds for sale using the blockchain system of ThaiBMA, namely (1

2019to discuss the implementation and application of the DLT, to increase the efficiency and reduce cost of operation, and overall processes from the first step to the last, relating to fundraising and

and filing procedures for DW issuance will be shorten and require fewer documents in order to increase efficiency while impact of price risk will also be mitigated. An automatic approval will be

our strengths while ensuring cost- effectiveness, and to better serve customer needs that are ever more complex and varied. However, connectivity of KBank to other businesses within the ecosystem may

importance on supporting functions, which are in harmony with our business directions that focus on effective, timely and proactive integrated risk management (IRM), internal operation efficiency, maximized

will affect labor intensive industries such as textiles and garments, apparel, leather products and wooden products and furniture. Businesses operating in these sectors must increase their productivity