Q3/16 Q2/17 Q3/17 Change +/(-) 9M/16 9M/17 Change +/(-) (Unit: THB million) QoQ YoY 9M Operating revenue 5,176 5,459 4,243 (22%) (18%) 16,214 15,067 (7%) Gross profit 1,046 1,256 1,199 (5%) 15% 3,485
competitiveness to brace for future change. Evidently, various universities which are our customers have well adapted to the changing business environment. As technology enters every aspect of our lives, it has
percent owing to seasonality. Given our funding cost management appropriate for the prevailing risk in a fragile business environment, KBank maintained key financial ratios at levels consistent with our
(“developer”) from the personnel who operate in the system administration (“system administrator”) in the production environment. In the case that duties cannot be segregated due to the size of the business
income and cost of sales resultin g in the operating income until the gross profit being reported differently from the previous periods Operating Highlights in Q3/2019 Q3/18 Q2/192 Q3/19 Change +/(-) 9M/18
Executive Summary A 1. Overview of Operating Environment 1 1.1 Global and Thai Economy in the Third Quarter of 2018 1 1.2 Banking Industry and Competition 2 1.3 Significant Regulations and Rules related to
statements. Overall market environment The Thai economy for the first 8 months of 2019 grew at a slower pace from both the domestic and external demands. Private consumption slowed down in almost all
. Overall market environment The Thai economy for the first 9 months of 2019 grew at a slower pace from both the domestic and external demands. Private consumption slowed down in almost all categories
improving the business environment in Thailand. The event aimed to raise awareness of the progress in enhancing the business and investment climate, increasing the country’s competitiveness, and