% compared to the same period last year. For expenditures, the Company recorded cost of sales and services at Baht 210.1 million in Q2 2019, decreased by Baht 57.3 million or 21.4%. Operating expenses

. Other operating expenses fell Baht 471 million or 2.83 percent over-quarter. Given that the decrease in income was more pronounced than that of other operating expenses, our cost to income ratio rose to

new government. Furthermore, digital disruption continued to negatively impact certain business operators’ income and operating costs. Under these circumstances, KBank put in place more stringent

1.6 million sheets per year, accounting for 39 tons of carbon dioxide exhaustion. This paperless process could also save operating costs such as printout delivery, electricity and document storage by

amend its rules to be more flexible without too high operating costs, and cope with more diverse patterns of business operations. This revision focuses on the principle-based regulations, instead of

amend its rules to be more flexible without high operating costs, and cope with more diverse patterns of business operations. This revision focuses on the principle-based regulations, instead of fixed

share of Baht 0.82). The decrease of loss in the amount of Baht 4.58 million comes from the following major transactions. 1. Underwriting profit from insurance before operating expenses in this quarter

(loss per share of Baht 0.28). The increase of profit in the amount of Baht 7.03 million comes from the following major transactions. 1. Underwriting profit from insurance before operating expenses in

had loss of Baht 9.64 million (loss per share of Baht 0.96). The decrease of loss in the amount of Baht 9.24 million comes from the following major items. 1. Underwriting profit before operating

%) Operating expenses 717,690 694,345 3.4% Finance costs - Interest expense 24,862 8,795 182.7% Net (loss) profit (370,918) 259,735 (242.8%) The Company closed year-end 2019 with hotel income of Baht 1,301.2