during the past three years. In case of none, specify so and explain the reason thereof as well. (2) Marketing and competition (a) Describe the marketing policies of the major products or services during
large corporates continued to expand but by less than expected due to greater competition. Demand for loans from the consumer sector increased from housing and auto-leasing, while credit card and other
previous year. The profitability of methyl ester was pressured by stiffen competition with increasing supply in Thailand. Additionally, the declining of palm oil price and the falling global glycerine price
below-the-expectation sales in other product categories due to the strong competition and becoming another stable sources of revenue in the future. - Translation - Page 6 of 11 Gross profits margin by
sector remained challenged by new modes of competition in a broader marketplace amid the advancing digital age and its rapid pace of technological advancement. Businesses have also had to cope with Thai
base and to reduce impact of high competition from lower population under educational age. In 2Q19, EBITDA from education business was negative by THB 12 million, a decrease of 9.1% yoy, due to decrease
installment value includes outstanding loan as per restructured agreements 5.2.2 Purchase of NPLs /NPAs and Market Competition The Company believes that the cumulative amount of NPLs in the system, coupled with
/NPAs and Market Competition The Company believes that the cumulative amount of NPLs in the system, coupled with those that arise from the COVID- 19 outbreak, will put some pressure on financial
in Sales by 32.95% as followed. - Biodiesel’s Quantity sold in 2018 was decreased by 18.32% when compared to 2017 due to the competition in discount bidding. Therefore, the Company received award with