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

debt level and severe competition in the real estate market, the Company is rated A- by Tris Rating Co., Ltd. The Company is, therefore, able to save costs from lower interest rate when raising funds

NML’s assets to decrease by ten percent or more or by more than Baht 5,000,000 is considered an event having a significantly Enclosure Page 3 adverse impact. 4. The debt restructuring agreement between

quarter of 2020, the negative gross margin of hotel operations was THB 4.89 million, equaled to -26.71% of the total revenues from operations. The hotel operations had the negative gross margin increased of

Incident Management Standard for handling customer complaints within the same day, while also preparing guidelines for communication to our customers to minimize negative impacts and maintain the positive

E_1 Legal_FA_2015_12_29-c A brWCorpL.1hig A Executive Summary Management Discussion and Analysis For the Quarter Ending June 30, 2019 The Thai economy faced increased headwinds in the second quarter of 2019. Exports, tourism and private investment – among major economic activities – were hampered by the worse-than-expected global economic slowdown. Meanwhile, consumers’ purchasing power weakened amid high household debt, whereas public investment and the government’s budget disbursement were aff...

interest income is also expected to maintain positive momentum in the final quarter of this year, which would somewhat cushion the negative impact of reduced online transaction fees which have affected non

unfavorable condition of the Company’s traditional trade channel as the Company appointed a large-sized distributor for the channel since the first quarter of 2018 but later terminated the contract with the

the previous year due to an unfavorable condition of the Company’s traditional trade channel as the Company appointed a large-sized distributor for the channel since the first quarter of 2018 but later