and our customers both directly and indirectly. KBank has emphasized synergy with K Companies, strategic partners and startup firms for enhancement of our business capabilities to achieve sustainable

year 131.9 million Baht or increased by 63% This was because the Company’s cash collection improvement. In the first quarter of 2018, the cash collection was 514.0 million Baht which increased from the

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

moving away from traditional services towards value enhancement such as cross-selling and upselling to better monetize heightened customer demands. Furthermore, operators continue encouraging 5G adoption

for detecting potential data risk, which can thus be managed more efficiently in a timely fashion. - Preparation, improvement and enhancement of advanced threat prevention to ensure that digital and

strategies including the launching of new products which were got positive feedback from the customers. Besides, the product segment management and the improvement of customer services were well implemented

and regulations concerning the marketplace and day-to-day operation of the SEC to the newly established capital market supervisory board. 2.Improvement of corporate governance of listed companies

the public. Annual General Meeting of Shareholders (AGM) continued to stand out in terms of agenda preparation, poll voting, and complete and timely minutes of meetings. Areas for improvement are

improvement was mostly a result of lower prices of raw materials this year and improvement of production reliability. Financial Ratios Q3 2019 Q3 2018 Gross profit margin 28.6% 20.2% Net profit margin 22.0

significant rise to the world’s 3rd highest rank with 86 scores, from No. 15 with 75 scores in the preceding year. Such development was a result of the improvement in the Ease of Shareholder Suits Index