durable goods. The Thai economy hence showed ongoing improvement from the first quarter. Nonetheless, the economic expansion, which was still limited and uneven, affected the performance of KBank and our

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

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

% in previous year to 26.43% due to change in product sales mix of general merchandise and the enhancement of directly sourced private-label goods’ profit margin, as well as the continuous efficiency

previous year to 26.56% due to change in product sales mix of general merchandise and the enhancement of directly sourced private-label goods, as well as the continuous efficiency improvement in product

due to the R&D and sales force invested for new products development enhancement and 7.6% lower compare to last quarter due to Q2’19 have high R&D outsource service in Europe Operating profit in Q3-19

, convenient and complete processes to accommodate customer business operations. - K-Contact Center: Focus has been on service quality enhancement through procedural improvement in three major areas, i.e., 1

the enhancement of our business capabilities to achieve sustainable growth and maintain our market leadership over the long term through collaboration and synergy with other companies within

cost over the long term, which will in turn help reduce costs within the economic system.. Within this context, KBank and K Companies accentuate enhancement of our business capabilities to achieve

profit margin as a percentage of sales has increased from 25.49% in the previous year to 25.90% due to change in product sales mix of general merchandise and the enhancement of directly sourced private