Costs In 2018, the Company had total interest paid of 810 million Baht, a decrease of 166 million Baht or 17% as compared to 2017. The decrease in finance cost was due to repayments in various of debt

activities and spending. The situation has led to an adverse economic effect on individual and business across various sectors, so Thai government has issued measurements such as cash subsidy payment and

flooding in various areas. Also, there was an intense competition in the industrial market. While sales volume of the retail market was slightly lower, consequently due to the seasonal factor which had lower

less than the decreased in revenue due to cost savings in various parts. In addition, sales and marketing activities have also decreased during the COVID-19 epidemic. Administrative expenses

economy expanded at a slower pace at 2.4% of GDP as compared to 2018 (reference: Office of the National Economic and Social Development Council). The decline is due to various factors, such as export

the increase in online sales is due to the implementation of various operational improvement to enhance efficiency of online channel. The Company also improved its website by increasing visually

Heavy grade crude becoming considerably harder, due to various countries having to reduce crude purchase from Iran to avoid any potential conflicts with the US. The spread between Dated Brent and Dubai

, resulting in reduced supportive factors to overall purchasing power. Meanwhile, internal factors were mainly due to costs increased from various reasons, especially from investments in the past 3 years

compared to the previous quarter. Due to pressures from demand for Gasoline dwindling significantly, after various countries around the world still enforce countrywide lockdown measures to curb the spread of

retail loans. Meanwhile, SMEs loans contracted less due to the implementation of various relief measures by the Bank of Thailand. Under the current economic situation and deteriorating quality of loans