year of 2019 and more efficient cost management that caused selling and administrative expense to decrease by 1.5% from the year of 2018. For the branches expansion in the year of 2019, the company

people. This is because the limitation of wages increases which appeared in some industries such as Food, Electronic, etc. together with the rise of business transformation to be more automated. In

for its machine expansion and back office management.) The Company expects to operate the electric motorcycle charging and battery replacement service stations and electric vehicle charging stations in

. In 3Q18, the Thai economy extends its growth momentum following the GDP expansion by 4.6% in 2Q18. The growth is attributed to a number of factors, namely 1.) strong export growth despite a slight

higher competition. The company recorded revenue from services of 579.03 million Baht which increased from the last year totaling 431.89 million Baht or 293.52% due to the expansion of construction

by Baht 11.33 million or 2.40 % due to the Medical personal expenses increased from the expansion of the subsidiaries. 3.Administrative expenses increased by Baht 29.82 million or 30.84 % due to the

durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our

through expansion of customer base and income by providing financial transactions via multiple platforms to offset reduced income after the cancellation of funds transfer fees via digital channels. In

business opportunity expansion. We also introduced assistance measures for SME customers affected by economic malaise, drought and the COVID-19 pandemic. Notable initiatives included:  Revolving Loan for

: Performance Overview In 2018, the domestic economic have signed to expand from the tourism sector improvement, Private consumption and private investment also improved, This was the company achieved expansion