strategy to be the preferred bank of our customers, especially those with the potential to become Middle Income clients, KBank remains committed to developing new products and services to be aligned with

and foreign exchange transactions enjoyed steady growth. Meanwhile, our impairment loss on loans and debt securities grew at a decelerating rate in line with NPLs to total loans which declined slightly

gross profit margin represented 41.99%, relatively steady compared to previous period. 96.03% 95.25% 3.97% 4.75% 1Q17 1Q18 Sales Other income Revenue Component 63.22% 62.13% 36.78% 37.87% 1Q17 1Q18 House

Microsoft Word - MD&A_E Q3_2562 ต้นฉบับ Management Discussion and Analysis: MD&A 1. Company Situation The company’s core business revenue for Q3/2019 has been going steady, no major increase or

includes revenues from five trading subsidiaries in Thailand and overseas. Two of the subsidiaries in Thailand had steady and increasing performance in the past year, but the subsidiaries overseas had

diversified into recurring business which could provide steady income in the long-term. During the past two years, the Company invested in the projects that generated revenue from rent and service which were (1

represented 41.47% relatively steady compared to previous period effect from a promotion that mention above. However, the Company has concern about the maintaining gross profit margin, so the marketing

baht of public savings, we are obliged to perform professional investor?s role in monitoring investee businesses for the utmost benefit of listed companies and steady return for public savings in the

changes over the past few years. Traditional media such as television, newspaper, magazine and radio has been in steady decline, while Out-of-Home (“OOH”) and online/digital media have become the go-to

million and Baht 124.11 million, respectively. Other revenues were mainly consisted of, such as, the revenue from the sales of broken or ruined plate remains, profits from the sales of land, buildings