attract more customers. Sales proportion of other brand products in 2Q18 has been increased to approximately 40%. However the Company keeps focusing on house brand products to emphasize FN brand awareness

focusing on house brand products to emphasize FN brand awareness and increase FN brand equity in a long run. The Company was able to maintain house brand product proportionate in 3Q18 compared with 3Q17 and

technologies may expose KBank to unknown risk, especially in overall service provision. Such risk may be incurred by related parties’ lack of awareness with regard to emerging technology among service providers

consumption recovery and the high household debt. The Company keeps focusing on house brand products to emphasize FN brand awareness and increase FN brand equity in a long run. The Company was able to maintain

brand awareness and increasing FN brand equity, so the marketing activities has been arranged with sales plan improvement and promotion efficiency spending. 3. Selling and administrative expenses Selling

improved from higher proportion of house brand product sales compared to previous period. The Company has focus in maintaining gross profit margin, emphasizing FN brand awareness and increasing FN brand

maintaining promotional and marketing expenses to strengthen relationship with customer and build brand awareness. The Company’s administrative expenses reported at Baht 25.6 million decreased by 12.2% compared

proportion of house brand product sales compared to previous period. The Company has focus in maintaining gross profit margin, emphasizing FN brand awareness and increasing FN brand equity, so the marketing

activities has been arranged with sales plan improvement and promotion efficiency spending and emphasizing FN brand awareness and increasing FN brand equity. 3. Selling and administrative expenses Selling and

integrated risk management (IRM), effective capital management and creation of a culture of risk awareness organization-wide. All these efforts are aimed at maintaining KBank’s stability as a leading financial