same period in the previous year. Drop in revenues mainly came from closed non-performance branches together with high competitive situation focusing on the pricing competition directly affecting to

policy and political situation which were clearer. This will result in people spending more on consumption. The issues that need to be tracked is the rubber price, the competition in foreign markets

, the necessity of the loan, and the current situation of the Company that cannot seek financial support from local financial institutions. According to the mentioned reasons, the Board of Director has

in the past. As a result of this economic situation, the Company's revenue from sales and services increased by Baht 31.61 million from the same quarter of last year. The forecast of the minimum wage

situation. As of November 30, 2018, the Company’s total cards reached 8.43 million cards, increased by 4% from the end of fiscal year 2017 (including 2.59 million credit cards, increased by 4% and 5.84

GSTEL, as a result, GSTEL is able to repay the loan as normal but due to GSTEL’s situation of seeking funds from external source has not yet been successful, GSTEL has enquired to extend the loan tenor to

impact of the COVID-19 in the periods going forward as the situation is still evolving. It is, however, certain that Thailand and worldwide measures against spread of the COVID-19 will have adverse effects

under the situation of the Coronavirus outbreak (COVID-19). 2 Unit: Million Baht The 6-month period for the Year 2020 comparing to 2019 Consolidated Separate Amount Change Amount Change 6M.2020 6M.2019

( COVID-19) situation has improved domestically, following a significant reduction in the number of local infections. However, the continued high rate of overseas infections, combined with Government fears

right to operate expressway sector A, B, C were fully amortized in the first quarter of the year 2020 as well as efficient cost management which suitable for the situation. 2. Rail business The Company