characteristics to other existing debt securities, except for their core objective of financing projects that contribute to environmental conservation and/or social development. These products therefore are not

%GP at 22%, while 9M17 represented at 24%. Excluding TBSP of 17% GP, Company’s core %GP achieved at 25%, increased by 1%, primarily due to incremental of Gross Profit of Security business in 9M18 when

over the long term. Guided by our core strategies of “Customer Centricity", KBank has decided to redefine our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred

information provided in this MD&A may vary if any factors or situation are changed in the future; the investors are, therefore, required to have their own discretion regarding the usage of this information for

million baht or 47.3 percent. Mainly due to the overall economic slowdown from the crisis situation from the epidemic of the Covid-19 virus, resulting in a reduced advertising expenditure in print media and

2019. The reason for the decline of expenses, because during the Convid-19 situation, the Company has a policy for employees to work from home, including the reduction of salary and benefits as well

Syndicate Co., Ltd., a subsidiary of Company, has invested in World Education Loan Services and the down on inventories resulting from the impact of COVID 19 situation that prevented us from importing raw

same period of the last year which showed 14.47 million Baht, which was mainly caused by COVID-19 situation. Cost of Goods Sold/service and Gross Profit Margin The company recorded cost of goods sold of

tourism sector, the Ministry of Tourism and Sports indicated that the situation has now returned to normal., allowing both domestic and international travelers to confidently resume all planned activities

be inconsistent with the intention of the regulations whereby a misdemeanor, an insignificant act or any wrongdoing not directly involved with the issuer’s core business shall be excluded. Given the