expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently accounted for 30% of total personal loan sales. 52% 30% 5% 13
cost by follow digitalization planning. In addition, the Company entered into a joint venture agreement with BSS Holding Company Limited and Humanica Public Company Limited to incorporate a joint venture
channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently accounted for 38% of total personal loan sales. Total Sales 36,810 MB 50% 30% 5% 15% Loans
revenue of 40.18 million Baht. The cost of sales amounted to 30.53 million Baht, while selling and administrative expenses and financial Gosts were 7.05 million Baht in total. Net income for the period of
%. Delivered FY20 performance in-line with guidance from well-managed cost Overall FY20 performance tracked in- line with all guidance. Core serviced revenue of Bt129,594mn declined -5.1%YoY vs guidance of low
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
-8.3% Sales and service income 7,131.4 7,792.1 -660.7 -8.5% Other income 95.0 86.0 9.0 10.5% Cost of sales and services 6,312.7 6,782.4 -469.7 -6.9% Gross Profit 818.7 1,009.7 -191.0 -18.9% Gross Profit
%. With regards to cost of sales and expenses for the year 2017, it is equivalent to 811.62 million THB or 84.67 % of total revenue compared to last year at the amount of 484. 13 Million THB or 84. 79
mobile leadership and expanding other businesses. As process digitization continues, operating expense is expected to be controlled, offset by the cost to support network growth in all businesses. As a