needs under the “Segment of One” while also placing emphasis on the offering of financial innovations and products, including those of the “Beyond Banking” realm, in order to deliver an excellent customer

delivering an excellent customer experience in order to empower every customer’s life and business, we prioritize the offering of attentive and inclusive services as a trustworthy service provider. We can

operation in 2018 and over the next five years in order to deliver an excellent customer experience. Meanwhile, we have upgraded our technological capability in order to act as a digital platform provider for

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

, which announced in the Royal Gazette on April 5th, 2019. This Labor Protection Act stipulates that the severance pay not less than the wage for the work performed in the last 400 days will be eligible to

3.78 Million or 15.53% when compared to the same period of 2018. Resulting from increasing in the employment benefit obligation based on the Labor Protection Act (Issue 7) B.E. 2562 which revised in rate

expenses increased by Baht 57.24 million or 10.58 % due to the increase in medical personal and general staff expenses to support the future expansion of subsidiaries. Morever according The Labor Protection

the Labor Protection Act (No. 7) B.E. 2562, which announced in the Royal Gazette on April 5th, 2019. This Labor Protection Act stipulates that the severance pay not less than the wage for the work

. In Q2/2019 and the first six months of 2019, the Group has been affected by According to the Labor Protection Act (No. 7), BE 2562, additional compensation rates have been imposed in the event that

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