The commercial banking sector in Thailand continues to face challenges from the business environment and ongoing changes in regulations. However, operating results in the second quarter of 2019 improved

business environment and ongoing changes in regulations. As of September 30, 2019, deposits grew at a higher rate than loans, with the ratio of loans to deposits declining from the end of last year as a

the more effective management its loans portfolio and government investment incentives make it possible to save more on tax expense. 2. Analysis of Financial Status – in 2017 and 2016 Assets Financial

possible, result in credit ratings that can be subjected to some form of objective validation based on historical experience. 1.2 Credit ratings should reflect all information known and believed to be

to the year of 1,586 Million Baht. This was due to a challenging US retail environment higher food costs, changing product mix and 2017 carry over benefit of USD $700K from Japan perpetual license deal

, the award for companies with outstanding commitment to ESG (Environment, Social and Governance). 5. RAW WATER BUSINESS Raw water revenue in 2018 was 2,393.23 million Baht, decreased by 58.23 million

the regions. Careful estimation for raw material purchasing and production cost management is seriously needed in order to cope with the more dynamic business environment. The raw material reference

branches in order to reach more consumers, but the expansion will be slower and more conservative to align with various uncertain factors such as the economic environment and consumer demand. Instead, the

with outstanding performance in terms of environment, society and governance, based on the assessment by Thai pat Institute. August World Medical Hospital received the Outstanding Cooperation Award at

the environment. In addition, the Company will also continue to refresh its product portfolio including categorizing the current product group, redesigning packaging, and new product development in