of digital technology, which has shaped a new trend of consumption amid intensified borderless business competition via digital channel. To brace for these numerous challenges, KBank prioritizes the

currency exchange rate and an increase in the cost of goods sold. The higher cost of goods sold was due to an increase in the production of new high-technology products, such as the special grade PCB (HDI

demand for HR technology and services in local and overseas markets. Financial Solutions Revenue from Financial Solutions contributed 20.52mb (Q1 2018: 23.53mb), 3.01mb or 12.8% lesser than the same period

10,000,000 10.00 10,000,000 10.00 Ha Noi Water Company Limited 9,996,110 10.00 9,996,110 10.00 New Technology Application and Tourism Single Member Company Limited 4,998,055 5.00 4,998,055 5.00 รวม 99,961,100

. Focusing and developing E-commerce with potential partners 4. Focusing cost-efficiency and productivity • Utilizing information technology (IT) system to optimize operation and resources • Optimizing human

or 6.3% . This increase is in line with our expectations of the demand for HR technology and services in local and overseas markets. Due to the strengthening of Thai Baht, the contribution from our

6.3% . This increase is in line with our expectations of the demand for HR technology and services in local and overseas markets. Due to the strengthening of Thai Baht, the contribution from our

hygiene culture across our four key areas of business processes and work systems, i.e., governance, policies, processes and technology, and people and culture. Key developments included: 9  Governance

other challenges remain. They include fast-changing technology, wherein non-bank players are joining the fray and playing an increasing role in the market as alternative service providers for consumers

partner who will give supports in term of financial and construction technology. This will also benefit on the cost reduction. 1Q18 Financial Highlight • Backlog1of the Company and its subsidiaries stood at