5.0% in Q3 2017 to 6.8% in Q3 2018, driven by improved efficiency and increase volume. Selling and administrative expenses were Baht 36 million lower than last year due to cost control and lower

) contains a salient point on amendment to the Bank of Thailand’s limited authority under Financial Institution Business Act B.E. 2551 (2008) to ensure enhanced efficiency in supervising specialized financial

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...

cost. 3) Selling and Administration Expenses Selling and administration expenses decreased by Baht 11.4 million, or 6.5% from Q2/2016, as a result of improved efficiency in cost and expenses control. 4

comply with the Bank of Thailand’s regulations and directions.  Early warning signs were developed with the use of transactional data and customer behavioral data for enhanced efficiency in customer risk

as a result of enhanced effectiveness of the inventory management and the control of purchase orders at an appropriate level. 2. Liabilities As at 31 March 2018, the Company’s liabilities totaled Baht

the form of an e-Coupon to online traders and K PLUS Shop users. Along with this, we have upgraded the system to accommodate a rising volume of transactions for enhanced efficiency and stability. In

slightly decreased from 6.6% in Q2 2016 to 6.3% in Q2 2017, as improved margins in the automotive parts segment, driven by improved efficiency, was impacted by lower margins in the car dealerships. Selling

Act (amount of Baht 36 million). This year-on-year improvement was mainly attributable to higher sale from automotive parts, improved efficiency and increases of gross profit from tooling sales. Selling

maintaining our leadership in digital banking services. We have assessed risk management and status, and set the risk target and 2018 Cyber Risk Management Roadmap for enhanced efficiency in work process