million or 15.75% when compared to the year 2018. Which is in accordance with the policy to control the Company's expenses and consistent with the Company's revenue. The reduced expenses relating to

growing less than expected and moreover Thai foreign exchange rate of the Baht was appreciate that cause Financial Institutions Policy Committee announce to decrease the policy rate to 1.25% per year that

million or 10.26% when compared to the same period of the year 2019. This is still in accordance with the policy to control the Company's expenses. 4. The financial cost The financial cost is in the amount

policy focus on cost management and internal resource management to maximize efficiency, including managing cash flow to be sufficient for business operations. The financial results of the company and its

giving away cash to the people and welfare payments to the unemployed. While employment remained weak, Policy clarity Direction of the business team and political climate It is a huge risk to the future

2019. The reason for the decline of expenses, because during the Convid-19 situation, the Company has a policy for employees to work from home, including the reduction of salary and benefits as well

income from e-payment business, which was directly impacted in the second quarter of the current year from the government announced to closure of international travel under policy to control the epidemic

drastic slowdown in Thai economy, while the tourism sector has been impacted by lockdown policy in many countries, together with a decline in household income following unemployment problem in private

113.14 million to Baht 180.07 million compared to the same period of the previous year according to the changing of accounting policy in accordance with Thai Financial Reporting Standards 9 (TFRS9) which

has changed the recruitment policy from Full time employee to Contract employee when possible, to allign cost with revenue. Q2/2020 Statement of Comprehensive Income also got hit hard by the loss in