Pages Business contributes 7% and 6% of consolidated revenue, respectively. 3. Voice Info Services & Mobile Content Business (Voice & Mobile Content) This business comprisesVoice Info Services Segment and
Management (VBM): KBank has continued to apply VBM concept to risk management at both Bank-wide and segment/product level while setting the direction of credit portfolio and business targets at customer and
loan amounted to Baht 22,102.3 million, decreased by Baht 171.3 million or 0.8% when compared to the end of the year 2019. Table: Loans to Customers Classified by Segment (Unit: Million Baht) Loans to
offer promotions during appropriate occasions such as offering shipping discounts promotions, etc. IN RESPONSES TO THE NEW WAVE OF COVID-19 Financial PerformanceSignificant EventsExecutive Summary 4
allow the Company to benefit from economies of scale in some costs, such as shipping costs • Selling Expenses in 9M/2022 was THB 207 million, increased by THB 51 million or 33% from 9M/2021, corresponding
discounts in online channel, and providing free shipping for minimum sale orders etc. The Company also focuses on product selection to better meet customer needs, engages in marketing activities with various
appealing to attract sale orders, offering discounts in online channel, and providing free shipping for minimum sale orders etc. The Company also focuses on product selection to better meet customer needs
margin of 15.00 percent in the same period of the previous year. This was mainly due to lower sales in the higher margin segment like stainless steel and lower in overall sales. For nine months ended 31st
the nonferrous mining segment is likely to underperform versus previous years and we face competition in Laos. The potential strength of the Thai baht, which is forecasted to appreciate 4% in 2019, will
อุตสาหกรรมโลหะที่ไม่มีแรเ่หลก็เป็นส่วนประกอบ (The nonferrous mining segment) มีแนวโน้มที่จะต่ ากว่าปีท่ีผ่านมา ซึ่งเราจะต้องเผชิญกับการแข่งขันในประเทศลาว นอกจากน้ี ค่าเงินบาทที่คาดว่าจะแข็งค่าขึ้น 4% ในปี 2562