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considering the balance of three dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. Along with this, we have prioritized

services are managed efficiently, aligned with customers’ need and controlled with acceptable risk level.  Establishment of Third-Party Risk Management Policy and Framework which cover risk assessment

cost over the long term, which will in turn help reduce costs within the economic system.. Within this context, KBank and K Companies accentuate enhancement of our business capabilities to achieve

, the growth in expenses was less pronounced than that of net total income. As a result, our cost to income ratio decreased to 41.07 percent compared to the previous quarter, which was still better than

direction primarily by considering the balance of three dimensions – economy, society and environment – under good corporate governance, appropriate risk management and effective cost management. At the same

. 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

, a clarification is required regarding the necessity and reasonableness of the investments in RS's subsidiaries and assets with high cost while the valuation may not align with past financial