has planed to generate more fee base incomes in the future. Expenses In the nine-month period, the consolidated expenses that consisted of operating and administrative expense, bad debt and doubtful

wages stated in the new Labor Protection Act. The Company 9M’19 reported profit for the period was THB 2,459 million (+8.5% YoY) and the profit attributable to owners of the parent was THB 2,436 million

million and THB 500 million respectively. The increase is mainly due to the adjustment of one off provision for severance pay according to new announcement of Labour Protection Act in April 2019 by

for retirement benefits at the amount of THB 96.8 million recorded in Q2’19 to reflect severance payment of maximum 400 days of wages stated in the new Labor Protection Act. The Company reported 2019

79.5 4.6 5.8 Cleaning service expenses 58.0 50.4 7.6 15.0 Bad and doubtful debts expenses 35.6 65.1 (29.5) (45.3) Security guard expense 31.4 29.7 1.7 5.7 Property tax 10.5 18.3 (7.8) (42.6) Others 666.7

excellence, with greater consideration of consumer protection in order to deliver excellent financial products and an unsurpassed service experience to all our customers. Meanwhile, KBank places equal

continued investment in 1The Labor Protection Act (No. 7) B.E. 2562, effective from 5-May-19, stipulates additional legal severance pay rates for employees who have worked for a period of 20 years or more to

the consolidation of Trans.ad Group. In addition, the Company recorded a non-recurring expense from long-term employees of THB 5mn according to The Labor Protection Act (No.7) 2019. However, SG&A to

right time with ever-greater consideration of consumer protection and customer privacy, taking into account the changing customer expectations. Along with this, we focus on predictive risk management

a communication channel to educate people of self-protection and provide a list of hospitals to get test for COVID-19 through digital media. Furthermore, we joined hands with Phrae Ministry of Public