due to the R&D and sales force invested for new products development enhancement and 7.6% lower compare to last quarter due to Q2’19 have high R&D outsource service in Europe Operating profit in Q3-19

, convenient and complete processes to accommodate customer business operations. - K-Contact Center: Focus has been on service quality enhancement through procedural improvement in three major areas, i.e., 1

purchasing power has still not recovered. This is reflected in the consumer confidence index which remains at very low levels, with consumers remaining concerned over high levels of household debt and their

durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our

profit margin as a percentage of sales has increased from 25.49% in the previous year to 25.90% due to change in product sales mix of general merchandise and the enhancement of directly sourced private

16,553.01 million baht and 1,419.84 million baht respectively, increasing 4.10% and 13.73% from the previous year. Furthermore, the company has continued to focus on both operational efficiency improvement

context, KBank and K Companies operate our business as a Bank of Sustainability under appropriate risk management and good corporate governance. We accentuate enhancement of our business capabilities to

the enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership over the long term through collaboration and synergy with other companies within

at the SEC Building.The cyber drill was part of the joint action plan since the establishment of the Thai Capital Market CERT or TCM-CERT, which aims to upgrade the Thai capital market's capacity in

force investments for new product development and enhancement to catch up with the rapidly changing technology and the dynamics of borderless marketing. Operating profit in Q2-19 totaled Baht 658 million