car segment and low yield segment – housing loans, corporate lending loans, Lombard loans. Meanwhile, cost of fund for 2017 dropped further yoy from 2.5% to 2.3% resulting in improvement in loan spread

the consolidated net debt to equity ratio was considerably low at 0.25 time. Overall Financial Performance and Profitability Business Segment of GFPT Group 2Q 2020 2Q 2019 Change 6M 2020 6M 2019 Change

with low traveling demand and cooperated with government orders as well as the announcement from Civil Aviation Authority of Thailand (CAAT) regarding to COVID-19 spread out situation. As a result, for

refinery margin to shrink. In this quarter, even though the crude oil price situation continues to improve constantly from December 2018, the cost of a proportion of crude oil that was refined within this

Total Revenues 6,615.2 7,792.0 -1,176.8 -15.1% Sales and service income 6,529.9 7,624.0 -1,094.1 -14.4% Gains on Exchange rate 0.0 69.3 -69.3 -100.0% Other Income 85.3 98.7 -13.4 -13.6% Cost of Sales and

control to increase gross profit margin and long-term shareholders’ equity. (4) Low cost source of funds on loan from financial institution upon the Company’s capital base is adequate for loan support due

-Wallet usages, and the increase in number of competitors’ kiosks, as well as a decrease of the middle-to-low income population’s purchasing power. The details of total revenue are as follows: 1) Income

revenues. The ability to maintain low financial cost due to the replacement long term loan with lower rate as well as the Company’s policy to manage liquidity risk and interest rates fluctuation risk by

) was low and could not cover cost and expense. 2. Business Outlook Total domestic Hot Rolled Steel consumption for Quarter 1, 2020 stood 1.51 million MT and decreased by 3.4% compared to same quarter

move towards Green Businesses targeting renewable energy, material recycling and eco management. To pursue its business strategy, 36 MW solar farms in Thailand have been acquired in late 2016 and during