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Goals (SDGs) as well as the National Economic and Social Development Plan and the Capital Market Development Plan. It is also considered one of the important issues which the business sector and listed

Phatra Financial Group (“the Group”) business is divided into two main areas: the Commercial Banking Business operated by the Bank and Capital Market Business operated by its subsidiaries which are

following the market price trend since 2017. Additionally, the increase of electricity cost was also added to higher cost of sales of this year. In spite of rise of main raw material prices and decline in

amount of 17.95 million baht or 11.32 percent as a result of the company's policy in planning procurement of new products to sell instead of old products that are not popular in the market. Therefore, the

painted pipe. Now the Company is the leader for Pre-zinc structural pipe and be the one who determines in developing value added products and extends the market for co-related business particularly in the

”) business is divided into two main areas: the Commercial Banking Business operated by the Bank and Capital Market Business operated by its subsidiaries which are comprised of PHATRA, PSEC and PASSET. Both the

market share in the economic slowdown. When comparing the sale volume to the same period in 2018, decreased 0.9%. The company is not able to increase the selling price in the current economic conditions

lower-middle income earners to lower-middle to upper ones but the affordable price strategy is still retained. Secondly, the brand image is to be developed together with the market segmentation. Thirdly