20.10% Tax expense 12.83 0.36% 14.72 0.39% 1.89 14.70% Profit for the period 51.25 1.43% 62.24 1.66% 10.99 21.45% Revenue from sales and services The Company’s distribution channels can be divided into

3.3 Customer Segments and Services 27 3.4 Service Channels 33 3.5 Awards and Commendation 35 4. Operating Performance and Financial Position Analysis 37 4.1 Operating Performance 37 4.2 Financial

be presented; (c) In case where the mutual fund invests or holds shares of a company, there shall be additional questions and answers about the channels and procedures through which the unit holders

and Corporate Governance 7 3.2 Business Directions of KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK 8 3.3 Customer Segments and Services 8 3.4 Service Channels 12 3.5 Awards and

KASIKORNBANK and the Wholly-owned Subsidiaries of KASIKORNBANK in 2019 and Outlook for the Next Five Years 23 3.3 Customer Segments and Services 26 3.4 Service Channels 31 3.5 Awards and Commendation 35 4

and better respond to customer needs. However, there is also more intense competition after fees were waived for transactions via banks’ digital banking channels. Banks therefore need to acquire more

declines in gains on investments and net fees and service income. The decrease in net fees and service income was due to the exemption of transaction fees via digital channels and lower fees from loan

of this products of the company to decrease. However, the company has increased online distribution channels as a choice for new generation customers. It is expected that the domestic market will

distribution channels for retail businesses. And opening 4 branches, in cooperation with business partners Dynasty Ceramic Public Company Limited (DCC), which is the owner of the selling point for ceramic tiles

increased by 1.85 million baht or 37.91 percent. The reason is due to Euro Asia Total Logistics Company Limited has expanded the work to manage the channels to generate revenue according to the strategy. Must