employee cost and the additional post- employment benefit expenses from the new labour protection act effective in May 2019. Depreciation and amortization expenses were Baht 86 million in 3Q19, decreased by
decrease was driven by the COVID-19 pandemic and an increase in employee benefit according to the new labour protection act effective in 2Q19. However, the Company had the positive impact on EBITDA of Baht
to extend our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives. To this end, we work to
maintaining our leadership in digital banking services. We have assessed risk management and status, and set the risk target and 2018 Cyber Risk Management Roadmap for enhanced efficiency in work process
opportunities to work with our partners so as to develop new easy-to-use products and services to match customers’ financial and lifestyle needs. In this quarter, we conducted marketing activities and PR
KBank prioritizes customer service and accessibility while also supporting government policies. Focus has thus been on the development of personnel and work processes for enhanced customer care and
aspires to become “Customers’ Life Platform of Choice”. We will thus work with our partners, both domestic and international, to create ecosystem partnership collaboration under the “KASIKORNBANK and Beyond
increasing of cost of raw material that used for production and the higher of direct labour cost. The net profit rate from financial statement was decreased from 6.1 percent in 2017 to 5.2 percent in 2018 due
Operations Cost of hospital operations in 2Q’19 increased by 10% yoy. in line with the increase of income despite extra cost recorded in 2Q’19. Due to the new labour law which was effective in May 2019, the