. 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

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

from the change in defined benefit plan according to KBank’s employment policy which is not related to labor law, together with rising marketing expenses, our cost-to-income ratio stood at 45.02 percent

, 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

mainly to employee expenses and repair and maintenance of premises and equipment expenses, whereas marketing expenses fell. As a result, our cost- to-income ratio stood at 42.70 percent, which was still

, other operating expenses rose Baht 765 million, or 5.03 percent over-year due in part to marketing expenses. As a result, our cost to income ratio increased to 41.20 percent from the same period of last

ratio in this quarter stood at 49.31 percent. KBank also set aside a higher expected credit loss of Baht 3,047 million compared to the preceding quarter, with prudent consideration of factors in line with

ratio was also close to the target, at 43.96 percent. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As

ratio was also close to the target of 42.31 percent. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced

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