cost of borrowing. For the impairment loss of loans was 123.45 million baht, a decrease of 15.46 million baht or 11.13%. The decrease was due to monitor the debt collections process closely that support

asset quality management for its loan portfolio and focus on expanding into profitable segment with better asset quality taking into careful considerations the economic conditions. As such, the overall

reporting process, ensure the company has efficient internal control system, monitor the performance of the company to ensure compliance with the laws and regulations, review transaction that may have

from the covid-19 situation resulting in higher expected credit loss amount during 3Q20 when comparing to the same period last year. For loan portfolio, the Bank continues to focus on asset quality

76.06%. The decrease was due to closely monitor the debt collections and the better ability to pay of receivable accounts which support the better of overall quality account receivables. As of the end of

decrease was due to closely monitor the debt collections and the better ability to pay of receivable accounts which support the better of overall quality account receivables. As of the end of the first

%. The decrease was due to closely monitor the debt collections and the better ability to pay of receivable accounts which support the better of overall quality account receivables. As of the end of the

was due to closely monitor the debt collections and the better ability to pay of receivable accounts which support the better of overall quality account receivables. As of the end of the second quarter

proportion of the cost of sales to net sales revenues from 51.81% to 48.86% and the improving of gross profit margin which increased from 48.19% to 51.14%. However, the Company still pay attention and monitor

monitor the debt collections and the better ability to pay of receivable accounts which support the better of overall quality account receivables. As of the end of the third quarter of 2019, the Company had