impacted by inventory gains/losses wherein inventory gains decrease the cost of sales and inventory losses increase the cost of sales. Net Operating Debt is Net Debt (total debt less cash and current

)% 2.35% 2.40% (0.05)% Net fees and service income to operating income ratio 18.7% 22.7% 24.3% (4.0)% (5.6)% 21.3% 22.7% (1.4)% Cost to income ratio 36.6% 41.9% 56.2% (5.3)% (19.6)% 41.1% 45.4% (4.3

(FIDF). Net interest margin (NIM) therefore stood at 3.49 percent. Meanwhile, other operating expenses decreased by Baht 3,695 million or 17.45 percent, over- quarter. As a result, our cost to income

considering the balance of three dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. Along with this, we have prioritized

. Moreover, other operating expenses increased by Baht 4,381 million or 6.41 percent, especially from branding campaigns and marketing activities in line with KBank’s business direction. As a result, the cost

decrease in all expenses. Operating results and financial position compared September 30, 2017 and September 30, 2018 THB : Million 2017 2018 % of Change increase (decrease) Sale 433.18 466.86 7.78% Cost of

Company recorded cost of sales and services at Baht 283.6 million in Q1 2019, decreased by Baht 34.4 million or 10.8% and operating expenses which included the write-off of plant and equipment that

November 14, 2017 Subject : Management Discussion and Analysis of 3rd quarter ended September 30, 2017 Attention : President The Stock Exchange of Thailand Operating Performance . Revenues Three

Our Ref: APURE 033/2020 13 November 2020 Subject Clarification on 3rd Quarter’s Operating Performance (3/2020) Attn. To President The Stock Exchange of Thailand The company clarifies causes and

หนา้ 1/1 NO. FA61-1201 28 February 2019 Subject : Management Discussion and Analysis of operating performance for the year 2018 Attention : President of the Stock Exchange of Thailand JCK Hospitality