grows not much because the company has been cautious in lending to potential customers to pay back. In terms of debt collection, J Fintech maintains a relatively good debt collection rate. By collecting
maintains a policy to manage the inventories’ optimization efficiently which can be classified by product groups as follows; ▪ In 2020, the Biodiesel’s ratio of cost of sales to total revenue was decreased
lockdown measures. In addition, the Company maintains management overlay in the amount of 1,378 million baht for a hedge with probable forward looking macroeconomics factors and the new wave of COVID-19
remains an important factor. Although, the price of crude palm oil was fluctuating during year, the Company still maintains a policy to manage the inventories’ optimization efficiently which can be
still deemed less strict in comparison to the beginning of 2020, with more easing of disease control measures to be able to accept foreign tourists in the fourth quarter. Despite the company maintains
programs. • Fixed broadband maintains the growth momentum to outpace the industry growth – Despite lower demands from less requirement to work from home, AIS will continue to increase penetration in new
the raise the price of domestic palm oil. Although, the Company still maintains a policy to manage the inventories’ optimization efficiently which can be classified by product groups as follows; For
focus on enhancing network quality, increase customer engagement, and delivering effective retention programs. • Fixed broadband maintains the growth momentum to outpace the industry growth – Despite