to income ratio stood at 45.32 percent. KBank has set aside higher allowance for impairment loss on loans from the preceding year, with 1 In the 2019 Annual Report, this item is shown under the topic

production efficiency and competitiveness enhancement. Another notable program was a soft loan program catering for Small Business clients in promising tourist attractions and commercial zones to help them

38,459 million in net profit, increasing Baht 4,121 million or 12.00 percent compared to the year before. The increase was mainly due to a decrease of Baht 9,278 million or 22.19 percent in allowance for

in a decrease in the cost-to-income ratio, which stood at 42.52 percent. KBank has set aside higher allowance for impairment loss on loans, in line with uncertainties from the ongoing economic slowdown

2,518 million, or 3.94 percent, over-year. Moreover, KBank has set aside higher allowance for impairment loss on loans to maintain our financial position stability. Therefore, our net profit for 2017

corporates, particularly in the telecommunications sector, as well as from small and medium sized businesses for fixed investment and working capital purposes. There was a notable decrease in demand for

management is more concise and cost control is based on estimates. 2. Allowance for doubtful accounts (transfer back) (2.27) with last year at (69.68) million baht which decrease 67.40 million baht or (96.73

Plan. Notable endeavors included an added function for payment acceptance via QR code and more features for merchants, namely buyers’ purchase history shown in a sales summary report, UX/UI improvement

actions against cyber threats.  People and culture: KBank continues to emphasize the cultivation of a cyber risk-aware culture via communication through various formats. Notable endeavors included a

driving the public towards a cashless society, creating a queue-free and self-serve experience for BTS users.  LINE Corp (“LINE”), as a shareholder of RLP, has taken a notable step with the aim of