offset by reduction in metallic cost. 3. Selling expenses Total selling expenses of the Company and subsidiary amounting to Baht 85 million and increased by Baht 23 million YoY or 37% due to the increase

production efficiency and competitiveness enhancement. Another notable program was a soft loan program catering for Small Business clients in promising tourist attractions and commercial zones to help them

sold per ton reduced by 19%. The reduction in average cost of goods sold is mainly due to reduction of 19% in metallic cost caused by decline in market prices partly offsetting the decline in HRC prices

of debentures. Another notable initiative was development of the CBH PLUS application of Chon Buri Hospital, which links to the database of the National Health Security Office (NHSO) to allow patients

Plan. Notable endeavors included an added function for payment acceptance via QR code and more features for merchants, namely buyers’ purchase history shown in a sales summary report, UX/UI improvement

actions against cyber threats.  People and culture: KBank continues to emphasize the cultivation of a cyber risk-aware culture via communication through various formats. Notable endeavors included a

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...

United States, caused slowdown of the global economic growth and resulted to the narrow of metallic spread. The company's gross profit margin fell from 5.7 percent in 2017 to just 0.9 percent in 2018 which

war between China and the United States, caused slowdown of the global economic growth and resulted to the narrow of metallic spread. The company's gross profit margin fell from 5.7 percent in 2017 to

term, to ensure that we adopt proper fund-raising strategies. 7 3. Business Directions and Operations of Core Businesses 3.1 Sustainable Development and Corporate Governance Notable progress of KBank’s