, despite brighter growth seen in retail business loan, derived mainly from home and auto hire purchase loans – among the core loan products. Meanwhile, deposits rose even as loans fell, supported by an

the protracted US-China trade negotiations and concerns over Brexit risks. For the final quarter of this year, a brighter outlook seems to be in store for the Thai economy, thanks to the government’s

brighter outlooks in both public and private investment compared to 2018. Still, close attention should be paid to the government’s budget disbursements, as well as global financial markets, which may

brighter investment outlook, and ongoing growth in tourism. At the same time, the real estate and construction sectors grew modestly, with expansion seen only in certain areas. Likewise, consumption fared

SMEs which features working capital with repayment and re-borrowing flexibility  Expansion of the customer base within value chains, especially among businesses with brighter growth prospects, namely

E_1 Legal_FA_2015_12_29-c A CorpL4.1hig A Executive Summary of Management Discussion and Analysis 1 For the Year Ending December 31, 2019 Thai economy in 2019 showed decelerating growth at 2.4 percent compared to 4.2 percent in the previous year.The slowdown could be attributed to exports which contracted further due to the stronger Baht and a global economic slowdown. In addition, the investment environment of both the public and private sector remained weak, and private consumption, albeit gro...

deliverables are lower raw material and packaging costs, packaging optimization, new lighter weight bottles, and more formulation optimization. The new glass factory (SGA2), whose furnace has heated up in August

sugar tax and excise tax effective in Oct’19. “Fit Fast Firm” project deliverables in 2019 are lower raw material and packaging costs, packaging optimization, new lighter weight bottles and more

expansion, driving the overall costs down. This year, on top of 2018 on-going saving programs, our focuses will be on packaging optimization, new lighter weight bottles and more formulation optimization. The

year, on top of 2018 on-going saving programs, our focuses will be on warehouse and distribution optimization, packaging optimization, new lighter weight bottles and more formulation optimization. The