decline in prepaid revenue as well as staff remuneration in 4Q19. SG&A expenses were Bt6,288mn +0.4%YoY, but -22%QoQ due to slowdown in marketing activities.  Marketing expenses were Bt1,762mn, decreasing

campaigns to promote the KBank brand and fortify potential long-term relationships with staff of leading companies and universities. Initiatives of note were the offering of numerous benefits for K-Deposit, K

include Thailand’s strategic location, the EEC project, investments in transport and logistics infrastructure, the promotion of 10 targeted industries, policies that promote advances in production

% Printings WPS 84.50 Printing service income 60.14 2.76% 0.00% Total - Printings 60.14 2.76% - 0.00% Logistics and education NML 99.99 Logistic income 114.46 5.25% 0.00% NU 90.00 Education income 66.85 3.06

, as well as policies to support Thailand’s long term competitiveness, including the Eastern Economic Corridor (EEC) project – which aims to promote Thailand as one of the region’s logistics hubs and

million, an increase of 4.7%. SMEs loan comprises of several business sectors including Apartment & Hotel, Logistics, Commercial & Industrial and Construction Machinery & Materials. 12 Corporate Lending

, Logistics, Commercial & Industrial and Construction Machinery & Materials. 12 Corporate Lending provides lending services to listed companies clients and large corporate clients or financing for Investment

by 16.3%. SMEs loan comprises of several business sectors including Apartment & Hotel, Logistics, Commercial & Industrial and Construction Machinery & Materials. Corporate Lending provides lending

of 9.5% for 2019. SMEs loan comprises of several business sectors including Apartment & Hotel, Logistics, Commercial & Industrial and Construction Machinery & Materials. Corporate Lending provides

million, expanded slightly by 0.5% from the end of 2016. SMEs loans were Baht 21,539 million. SMEs loan comprises of several business sectors including Apartment & Hotel, Logistics, Commercial & Industrial