offering online motor insurance premiums and notifications for enhanced efficiency, to accommodate expansion of motor insurance service provided by KBank. Mass Guided by a strategy of attracting customers
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
have managed to drive productivity and delivered our services with better efficiency in the use of resources. Gross Profit As a combined result of improved revenue and reduced cost of services, we booked
). The growth in cost of services was in line with the growth in revenue. As the end of 2019, we have slightly improved the gross margin from 45.4% to 45.9%. Gross Profit As a result of overall
%, respectively. Gross profits improved from higher proportion of house brand product sales compared to previous period. However, the Company has concern about the maintaining gross profit margin, emphasizing FN
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
beginning of the second quarter of 2019. Moreover, commercial banks will have to focus on cost and asset quality management for enhanced efficiency while also bracing for heightened competition, especially
productivity and costs. We continue to engage leading external experts to bring the tools and practices that will provide effective ways to execute the Olympus initiatives, enabling IVL businesses to achieve
would show a bigger picture of their contribution, in terms of work time, productivity and otherwise, to their respective work, and whether their multiple employments are likely to raise competition or
borrowers with good track records, as well as existing low-risk customers. Early warning signs were also developed with the use of transactional data for enhanced efficiency in risk monitoring and portfolio