stimulus measures. Against this backdrop, KBank has established its business direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate

demand faced contraction in the same direction as private consumption on durable goods and services significantly contracted because people avoided going outside. Other fators include the suspension of a

mentioned acquisition of shares of Modern Pharma Company Limited is a transaction that is appropriate and beneficial to the Company due to its current direction and strategy is aiming to grow fast and

both financial and non-financial services, as we continue to gear up for being “The Bank of AEC+3” along with being a Regional Digital Bank. We have established our business direction primarily by

-Based Management (VBM) was applied to credit risk management when setting the direction of credit portfolio and business targets at customer and product levels. In addition, VBM was applied to capital

Baht, a decrease from the same period last year by approximately 3.34 Million Baht or 21.64% which the cost of sales decreased by in the same direction with the sales revenue. Selling and Administrative

Baht, a increased from the same period last year by approximately 19.79 Million Baht 34.61% which the cost of sales increased by in the same direction with the sales revenue. Selling and Administrative

in the same direction with the sales revenue. Selling and Administrative Expenses The Company had the selling and administrative expenses for financial statement in Quarter 3/2019 was recorded at 9.69

from the same period last year by approximately 15.99 Million Baht 20.33% which the cost of sales increased by in the same direction with the sales revenue. Selling and Administrative Expenses The

grow its earnings in 2020. In which factors are affecting future performance as follows: 1. For the situation of the NPLs market, the financial institutions have the direction to manage non-performing