Companies and Muang Thai Life Assurance PCL 50 4.6 Capital Requirements 52 4.7 Credit Ratings 54 5. Operations of Support Groups 57 5.1 Human Resource Management 57 5.2 IT Management 60 6. KASIKORNBANK’s

Performances of K Companies and Muang Thai Life Assurance PCL 28 4.6 Capital Requirements 29 4.7 Credit Ratings 30 5. Operations of Support Groups 32 5.1 Human Resource Management 32 5.2 IT Management 34 1 1

31.54 million from 2017. The selling expenses such as shipping fees also dropped in the same line with the decreased in sales in the period. However, during the year, the Company has financial advisory

as the Company has more effective policy to collect debts. Furthermore, the selling expenses such as shipping fees dropped in the same line with the decreased in sales in the period. The loss on

IP: INTER PHARMA PUBLIC COMPANY LIMITED L&E: LIGHTING & EQUIPMENT PUBLIC COMPANY LIMITED PAP: PACIFIC PIPE PUBLIC COMPANY LIMITED PRINC: PRINCIPAL CAPITAL PUBLIC COMPANY LIMITED PSL: PRECIOUS SHIPPING

, selling expense increased in relation to client entertainment expenses to support the sale of projects under development overseas. - Administrative expenses For the year 2018, administrative expenses are

Boonterm kiosk, the company has developed an intelligent kiosk that adds functionality of selling SIM cards, and authentication services (e-KYC) to support the opening of electronic bank accounts and SIM

support the growth of business continuity render to these selling expenses are increase. . Administration expenses The Group has administration expenses increase from the same period of previous year Baht

provider channel that can support and facilitate the customers. Moreover, the Company also gradually launches promotional campaigns on Boonterm kiosks to encourage new customers and retain our existing

mixed commercial project such as distribution center, industrial zone and warehouse, in order to make the connection support between each business sectors, and utilize the area for the highest efficiency