restructuring and cost management as well as reserve requirements to comply with LCR guidelines under Basel III. In terms of loan quality, non-performing loan (NPL) stood at Baht 465 billion or a ratio of 2.98

income 21,604 29% 14,260 15% 18,165 20% Total income 73,496 100% 95,677 100% 91,337 100% Cost of sale of goods and rendering of services 48,246 49,567 48,021 Selling and administrative expenses 56,130

for 9M19 since it caused the drop in revenue with the cost of employees of Dusit Thani Hotel Bangkok. However, the Company sold the long-term investment and recorded the profit in 2Q19 as per Business

the decrease in business’s result for 9M19 since it caused the drop in revenue with the cost of employees of Dusit Thani Hotel Bangkok. However, the Company sold the long-term investment and recorded

(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

direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. At the same

cost over the long term, which will in turn help reduce costs within the economic system.. Within this context, KBank and K Companies accentuate enhancement of our business capabilities to achieve

and environment – under good corporate governance, appropriate risk management and effective cost management. Prioritizing the development of technological solutions with the aim of becoming “Customers

. Other operating expenses fell Baht 471 million or 2.83 percent over-quarter. Given that the decrease in income was more pronounced than that of other operating expenses, our cost to income ratio rose to

-19 continuously. As for the operations side of the business, the situation is closely monitored and assessed to adjust its business plan accordingly, and complied the strict measures on cost reduction