introduced customized financial services and innovations that provide greater customer convenience, speed and reliability with ever-greater consideration of consumer protection and customer privacy. Being
severely contracted as a result of the Coronavirus 2019 (Covid-19) outbreak which began in late January. Income from the tourism heavily declined as a result of international travel restrictions that were
Discussion and Analysis For 2Q20 and 6M20 P a g e | 9 2020 Outlook The COVID 19 epidemic has severely affected the global tourism industry. The announcement on travel restrictions and closures of airports and
sector contracted sharply due to international travel restrictions. Therefore, the Thai economic recovery would take time to return to pre-pandemic levels. The first nine months was a challenging period
right time with ever-greater consideration of consumer protection and customer privacy, taking into account the changing customer expectations. Along with this, we focus on predictive risk management
franchise model. Such initiative reflects in the recent partnership with Lagardere travel retail, a pioneering global leader in the travel retail industry including duty free shop and retail stores in
amount in FY2018. 2. The cost of sales and services increased by 76.98 million baht or 1.61% YoY, mainly due to the conversion cost increased by 6 9 .1 6 million baht from the new Labor Protection Act; the
benefit obligations on April 5, 2019, the Labour Protection Act has been enacted in the Royal Gazette. The Labour Protection Act includes a requirement that an employee who is terminated after having been
is in line with the sales. However, the conversion cost increased by 52.15 million baht mainly due to the new Labor Protection Act; which the compensation rate for employees who have more than 20 years