appropriate with their business. The Company also organized the marketing activities to educate the water quality to target’s group continuously. At the same time, the subsidiaries consist of Irving Corporation

chain disruptions as economic activities in China were put on hold. The disruption of activities in industries affected by the Covid-19 outbreak, combined with the curfew’s curtailing of business

service followed by client’s standard that appropriate with their business. The Company also organized the marketing activities to educate the water quality to target’s group continuously. At the same time

, credit card revenue was 1,887 million baht, an increase of 9 million baht or 1% y-y. The Company has focused on promotion activities to encourage customer’s spending and increase market share. For example

-Customer (e-KYC) service, etc., as well as offering the CRM activities, including reward points program, to increase the usage frequency on both existing and new customers. For the operating result in 3Q19

under the operation of its subsidiary in Thailand. As for the subsidiaries in Thailand, there will be only revenue and costs from representative and transportation activities in the country (said

decelerated of marketing activities as well as a decrease in space of property expenses. For the fourth quarter of 2020, the consolidated operating and administrative expenses were 2,160 million baht

decelerated of marketing activities as well as a decrease in space of property expenses. For the fourth quarter of 2020, the consolidated operating and administrative expenses were 2,160 million baht

decelerated of marketing activities as well as a decrease in space of property expenses. However, the Company still maintained effective operating cost control with cost to income ratio at 38% of total revenues

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