cost-to-revenue ratio is expected to be similar to the magnitude of last year amidst the increasing trend of electricity Ft rate. • Higher operating and depreciation costs of newly opened malls and

partly down to CPN’s continuous effort to conserve energy usage. Hence, the cost-to-revenue ratio is expected to be similar to the magnitude of last year amidst the increasing trend of electricity Ft rate

higher uncertainty, especially from foreign countries. In addition, the MPC raised concerns over the Baht’s increasing strength compared with the currencies of trading partners and competitors saying

mainly to employee expenses and repair and maintenance of premises and equipment expenses, whereas marketing expenses fell. As a result, our cost- to-income ratio stood at 42.70 percent, which was still

2019. The company has been successful in increasing the efficiency of operation and services, together with increasing the reliability in the electricity distribution system and utilities to the

promotional campaigns that are better suited to customers’ potential and needs, while also increasing opportunities to broaden the customer base, especially those using KBank Payroll service. In this quarter

due to lower consumer confidence and overall consumption. Demand for housing loans also fell, especially low-rise housing. Going forward, financial institutions expect increasing demand for loans from

single brand of KASIKORNBANK. In alignment with our business strategies for 2019, KBank and subsidiaries thus reported Baht 38,727 million in net profit, increasing Baht 268 million or 0.70 percent

Management Service is a financial service to support the financial management that is convenient and fast. It also reduces paper work and management costs while increasing efficiency in business management

2019 Page 6/21 Furthermore, the bank has trade finance which is the service to support import and export business for increasing a business opportunity and enhancing a strengthen negotiation with