will materialize in the rest of the year. In general, fixed costs will reduce due to Covid-19 restrictions on travel and mitigation plans in place for fixed cost savings in all departments. Gross profit
information under the Official Information Act; 2. Memos / delivery notes for the operation of the relevant departments and agendas of the SEC Board, agendas of the Capital Market Supervisory Board and agendas
Governance Principles and government regulations to departments within KBank, K Companies and P Companies 7 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK The Thai
communication channels 8 Providing comments and recommendations on compliance with the Statement of Corporate Governance Principles and government regulations to departments within KBank, K Companies and P
persons holding the position of manager or equivalent in accounting or finance departments. The Corporate Group’s total expenses of year 2018 increased from the same period of previous year by 1.83 percent
equivalent in accounting or finance departments. The Corporate Group’s selling and administrative expenses of year 2019 increased from the previous year by 11.65 percent, consisting of: Selling expenses were
persons holding equivalent position to the fourth executive and shall include the persons holding the position of manager or equivalent in accounting or finance departments. The Corporate Group’s total
has faster than last year. As result, the policy of debts collector between finance and sales departments. Ratio 2017 2018 Increase (Decrease) Liquidity ratio Current ratio (Time) 5.75 3.99 1.76 Quick
from subsidiary company 13 Investment Business Investment Business is managed by 3 departments in which Phatra operates direct investment business, by Direct Investment Department (“DI”), with medium
equivalent position to the fourth executive and shall include the persons holding the position of manager or equivalent in accounting or finance departments. The Corporate Group’s total expenses in the 1st