dividend income and gains on tradings and foreign exchange transactions increased. Operating expenses rose by Baht 782 million from higher premises and equipment expenses. Impairment loss of loans and debt

weighted on non-recurring revenue due to the on premises sales for its software and the sales of hardware. Non-recurring revenue in the HR Solution grew 29.70mb while EPR’s implementation revenue inceased by

assets are non-liquid land and property, which are typically more difficult to manage than other assets, KBank introduced Property and Land Credit for Investment – specifically designed for this customer

to ease burdens of our customers seeking to purchase new or pre- owned homes, and to refinance their mortgage. We also partnered with property developers which received pre-finance assistance from

Loan. For K-Home Loan, we focused on new loans, especially post-finance granted to homebuyers of property developers that received pre-finance assistance from KBank, in Bangkok and other strategic

2019 2018 (%) Personnel expenses 6,670 6,676 6,529 (0.1)% 2.2% 19,908 19,662 1.3% Directors’ remuneration 22 54 21 (59.3)% 4.8% 111 101 9.9% Premises and equipment expenses 2,441 3,147 2,254 (22.4)% 8.3

prepared with the financial advisor. Clause 21 If the SEC Office deems it necessary to visit the place of business or other premises of the Thai government agencies located outside Bangkok Metropolitan Area

by accidents, the Company has also insured against the property and outsiders as well. 3.4.3 Risks arising from changes in consumer behavior in the digital and online age In 2017, the advertising

) Directors’ remunerations 2 1 100.0 2 0.0 3 9 (66.7) Premises and equipment expenses 54 53 1.9 57 (5.3) 107 111 (3.6) Taxes and duties 92 110 (16.4) 151 (39.1) 201 439 (54.2) Impairment loss on properties for

first quarter of 2020, the operating and administrative from consolidated expenses were 2,086 million baht, a decrease of 197 million baht or 9% y-y. This was as a result of a decrease in premises and