from the private sector and the government slowed down. There is intense competition. The cost of goods increases from the labor cost that the company must bear. In the second quarter of 2019, the

Causing entrepreneurs to postpone investment plans. For the year 2019, the company recognizes income from the production line installation project and the testing of the production line work in Phase IV and

project and testing of the production line in the second and third phase according to the percentage of completion of the work. As a result, the operating results for the nine month period ended September

0.5 percent of the total Thai workforce. This group of workers falls short of their work potential, having more time and seek to work full-time job. It is a real challenge for Thailand to enhance the

KBank prioritizes customer service and accessibility while also supporting government policies. Focus has thus been on the development of personnel and work processes for enhanced customer care and

our customers, we provide them with products that are well-suited to market conditions. Focus has thus been on development of personnel and work processes. Furthermore, we provide value chain management

regards as having work widely accepted according to international standards. The Board of Directors’ policy framework in this matter shall also be disclosed to reflect the Board’s determination to mitigate

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

privately our company-level engagement activities. (By contrast, we tend to work collaboratively with other shareholders on a policy level, such as advocating with regulators for better disclosure or stronger

to extend our aspiration to become “Customers’ Life Platform of Choice”, meaning the most-preferred platform that can meet customers’ needs in every aspect of their lives. To this end, we work to