, however, net fees and service income and gains on tradings and foreign exchange transactions declined. Net interest income rose by Baht 291 million or 1.8 percent. However, operating expenses rose by Baht
increased their production efficiency. In the past, location was the main factor to the survival of businesses. However, today, mobile access, e-commerce and logistics are important factors. Traditional SME
sectors. Tourism was heavily affected by airspace and border closures, while merchandise exports fell sharply as demand from major trading partners fell, impacting both manufacturing production and domestic
demand from trading partners and related supply chain disruptions. Domestic demand was affected by measures to reduce economic activities in an attempt to contain the spread of the Covid-19 as well as the
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specified offences; for instance, market manipulation, insider trading or dishonest act shall be deemed to have untrustworthy characteristics and shall be vacated from his or her directorship or executive
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