% mainly due to increasing of advertising and promotion expenses – CLMV by Baht 2.05 million and incentive expense Baht 4.03 million because in this year, the Company focuses on internal marketing - creating

creating customer and policy holder confidence. Especially during the turning point, insurance companies need to have sound financial conditions and efficient business operation. Accordingly, the TGIA

is in accordance with the Company’s plan. Nevertheless, in the future, in order to increase the efficiency and competitiveness of the Company, SUTGH may reconsider and adjust the management plan

customers, has been pressured by high household debt. Therefore, spending expenses are carefully controlled. Notwithstanding, the entrepreneurs in retail industry have to adjust themselves to increase the

expenses For the year end of 2019, the management benefit was 14.38 million baht compare to 15.90 million baht, decrease by 1.52 million or 9.56% decreased because the company had adjust the organization to

15.90 million baht compare to 17.04 million baht, decrease by 1.14 million or 6.69% decreased because the company had adjust the organization to be more compact and more cost saving. 6. Financial cost For

benefit expenses For Quarter1 of the year 2019, the management benefit was 3.21 million baht compare to 4.35 million baht, decrease by 1.14 million or 26.21% decreased because the company had adjust the

suppliers. The plant now has been completed but still in the process of mechanical testing and improving the treatment formula. For the RDF facility in the second quarter, the Company has started to adjust

0.25% per annum (the normal interest rate of the loan for the associated companies) whereby PF will adjust the said interest rate for twice a year in January and June. At present, the interest rate is

had to be closed according to government policy. But the company was able to adjust to its profitable operating results this quarter details as follows: Management Discussion and Analysis Q2/2020 Page 3