transactions via multiple platforms in a highly competitive environment. At the same time, the core business of loans is likely to see limited growth pending clearer signs of economic recovery. Home loan and

change, and demand and supply. In the past 2 years, CPO’s world and Thai’s market had been highly volatilized. The Company is aware of such risks and determined the policy that focused on the procurement

its purchasing of natural fatty alcohols in 2Q2017 as there were highly fluctuation of CPKO price. As a result, the company had the adjusted EBITDA of THB 159 million, declined form 3Q2017 by 35

supply. In the past 2 years, CPO’s world and Thai’s market had been highly volatilized. The Company is aware of such risks and determined the policy that focused on the procurement and management of raw

capacity for meeting commitments may be troublesome CCC+ CCC CCC- Caa1 Caa2 Caa3 CCC+ CCC CCC- Highly speculative obligations CC CC CC Very low probability of timely and full payment of obligations C C C

. The project was well received by our customers as the Company expected. However, it came to the Company that quantifying size of economic slowdown from COVID-19 at this stage will be highly uncertain

demand in the Eastern Economic Corridor (EEC) area, its high profitability, and highly predictable cash flows. Although, the East Water Group has not been directly nor significantly affected by the COVID

which increased prices due to the drought. Operators are not expected to significantly increase prices and focus mainly on controlling cost, due to the economic slowdown and highly competitive market

quarter but may be restrained by vulnerable and highly uncertain household income as well as elevated household debt. These factors are causing customers to be cautious on spending. Moreover, the tourism

”, with 10 branches in Bangkok and 1 branch in Udon Thani. Mikka has recently became the main focus among the coffee shop franchise business. After the performance in the past year has been highly