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THB 36 mil. or 10.3% negative growth when compared to the same period of last year, primarily due to dumping price by competitors and focusing on electronic payment and number of bank branches reduction

as, the epidemic of Covid 19 have severe negative impacts on the economy. There are many industries that have been impacted from this pandemic which most directly are service and tourism industries

Business The COVID -19 virus pandemic situation has had a wide impact on all types of businesses and industries. In the first quarter of 2020, the negative impact on revenue to the Company and its

steadily increased in recent years which result to the strict in granting a loan to the borrower from many financial institutions. As well as, the epidemic of Covid 19 have severe negative impacts on the

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