The SEC proposed the amendments to the regulations for the Funds investing in digital assets to ensure fair competition among business types and enhance asset allocation benefits for investors

significantly. In addition, resulting the need to postpone a large-scale project auction and there are a few SI project in the market, thus those had a higher competition, resulting gross margin was declined

Company has been awarded ISO 13485, the Quality Management System for Medical Device Industry which is an important tool for competition and maintaining the product’s market share), the Company can maintain

the COVID-19 crisis that has spread across various countries in the world. This has caused crude oil price in the global market to sharp deteriorate since late Q1/2020 continuing into Q2/2020

-Diesel B20S, which surpasses in quality from the normal B20 in the market. Whereas industrial market sales volume lowered slightly from the intense market competition. 2. Net marketing margin declined

2020 1 1.2 Banking Industry and Competition 2 1.3 Significant Regulations and Rules related to Business Operations 3 2. Risk Management and Risk Factors 7 2.1 Credit Risk Management 7 2.2 Market Risk

101.48 million or 65.46%, which was in line with the sharp rising in revenues from sales in this period. Gross profit margin in year 2018 was 61.51%, going up by 59.98% year-on-year. The growth in year

88.71%. Major reason for sharp decrease in Company net income is due mainly to decrease in revenue from real estate business. In addition, the Company has heavily spent more in marketing and advertising

and services increased by 10.87% from last year due to the sharp increment of raw material prices during Quarter 2 to Quarter 3 especially in natural rubber, synthetic rubber and chemicals groups. The

- 2. Cost of sales and gross profit The Company’s cost of sales in Q3/2018 amounted to Baht 57.43 million, rising year-on-year by Baht 25.81 million or 81.63%, which was in line with the sharp increase