Cost of sales and service Cost was 283.2 MB, an increase by 47.3 MB or 20% y-o-y is in alignment with the growth sale trend. The Company can control the cost of materials and labor costs in effectively

within key provinces. The Company has also undertaken the initiative to modernize and expand existing branches. The expanded space was designated as a community space named “Work from Here” zone, which

traction, buoyed by both domestic and international factors. However, the business sector faced rising challenges, namely various forms of competition, a borderless marketplace within the ASEAN Economic

time, we have focused on collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, Muang Thai Life Assurance Public Company Limited and our business partners, for service

deliver a positive customer experience anywhere, anytime through collaboration and synergy with other companies within KASIKORNBANK FINANCIAL CONGLOMERATE, startups and our business partners under the

) was thus equal to 3.32 percent, decreasing over-quarter, but still within the set target of 3.30-3.50 percent. Moreover, other operating expenses rose Baht 21 million or 0.13 percent over-year, due

fragile, others remained mired in uncertainty in terms of new modes of competition, a broader marketplace within the ASEAN Economic Community (AEC) and the digital age, along with external changes

Baht volatility and international capital movements. Within this context, KBank has accentuated enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership

Baht to 66.02 Million Baht or 13.95%, due to corporate marketing and sales alignment. 2. Our net loss for Q3 is 3.17 Million Baht compare to net loss 5.32 Million Baht Q on Q, due to decreasing in

direction, focusing on growth in the Asian region. KBank has expanded branches and representative offices within AEC so as to respond to customers seeking to venture into other Asian countries, in alignment