diverging monetary policies, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Given the changing customer behavior amid new technologies, regulatory changes and

-changing consumer behavior. Given the increased degree of uncertainty in global economies and politics, businesses may have to contend with Thai Baht volatility and rising interest rate trends. Within this

came from both an increase of Baht 468 million, or 2.93 percent in non-interest income, which was derived mainly from revenue from capital market products and rising net fees and service income, and an

255 million or 1.11 percent in net interest income, derived from rising interest income from investment. KBank maintained key financial ratios at levels consistent with our overall economic performance

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

increased by Baht 2,139 million or 15.68 percent due largely to rising revenue from the sale of securities. Moreover, other operating expenses were close to the level seen in the previous quarter, resulting

groups of customers, which still merits close watch. As of the end of 2018, net loans at 14 domestically-registered commercial banks totaled Baht 11.633 trillion, rising 5.17 percent over-year

large infrastructure projects will continue to support the economic growth and help bolster private investment recovery going forward. Nevertheless, monetary policies in the US and Europe necessitate

attributable to consistent orders from present customer and new customer. 1. Cost of sales and gross profit The Company’s cost of sales in year 2018 amounted to Baht 256.50 million, rising year-on-year by Baht

of sales 2,539.53 million baht (83.00% when compared to sales), net profit of 125.73 million baht, decreased 88.96 million baht or 70.75 percent because commodity prices are rising, and the market is