from the weakened household income especially in non-farm income together with the tightening of financial institutions credit approvals due to the deteriorations in asset quality. The non-durable goods

the tourism sector, the number of tourist arrivals for the first 2 months of 2019 expanded by 2.5% yoy, however, the number of Chinese tourists which contribute almost 30% of total tourist arrivals

-cycle of electronic products. In the tourism sector, the number of tourist arrivals for the first five months of 2019 increased 1.6% yoy while the number of Chinese tourists which contribute about 29% of

the tourism sector, the number of tourist arrivals for the first half of 2019 increased 1.5% yoy while the number of Chinese tourists which contribute about 29% of total tourist arrivals still exhibited

the COVID-19 outbreak. In the tourism sector, the number of tourist arrivals for 1Q20 contracted by 38.0% yoy across almost all nationalities with high contractions in the number of Chinese tourists

of exports declined by 5.4% mainly from the slow economic growth of trading partners including the shutdown measures imposed by several countries with the COVID-19 outbreak. In the tourism sector, the

is due to customers’ focus on quality in their asset management. The loan to deposit ratio was 82.5 percent, reflecting an adequate liquidity position to cushion against economic uncertainties. The

weaker from protectionist trade policies between US and China and effect of Baht appreciation, which affected to export sector and industrial sector, especially in electronic components manufacturing

. The Company paid an interim dividend of Baht 0.06 per share on September 19, 2018, and a dividend of Baht 0.09 per share on May 22, 2019. 2. Arbitral Award relating to Revision of Toll Rates of Sector D

% Efficiency Ratios Return on Equity (%) 15.44% 15.32% 17.67% Return on Assets (%) 10.87% 10.68% 12.25% Return on fixed assets (%) 82.27% 89.99% 116.94% Asset turnover times 1.14 1.09 1.06 Financial Policy