from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent

came from both an increase of Baht 468 million, or 2.93 percent in non-interest income, which was derived mainly from revenue from capital market products and rising net fees and service income, and an

diverging monetary policies, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Given the changing customer behavior amid new technologies, regulatory changes and

increased by Baht 2,139 million or 15.68 percent due largely to rising revenue from the sale of securities. Moreover, other operating expenses were close to the level seen in the previous quarter, resulting

attributable to consistent orders from present customer and new customer. 1. Cost of sales and gross profit The Company’s cost of sales in year 2018 amounted to Baht 256.50 million, rising year-on-year by Baht

of sales 2,539.53 million baht (83.00% when compared to sales), net profit of 125.73 million baht, decreased 88.96 million baht or 70.75 percent because commodity prices are rising, and the market is

). Net profit was Baht 93.80 million, a decrease of Baht 93.80 million from the same period of last year. Baht 56.25 million or a decrease of 59.96% because commodity prices are rising. And the market is

and an increase in net interest income in line with loan growth, which was consistent with rising net interest margin (NIM). Excluding net profit from investment and income from auction of mortgaged

) (1.6) (5.5) -349% Earnings per share (THB/share) (0.01) (0.00) (0.01) -349% ⚫ Referring to rising in market price of rice (raw material), COGs/revenue ratio of Q1/2018 are at 84%, comparing to 82% of

) (1.6) (5.5) -349% Earnings per share (THB/share) (0.01) (0.00) (0.01) - ⚫ Referring to rising in market price of rice (raw material), COGs/revenue ratio of Q1/2018 are at 84%, comparing to 82% of same