sector remained challenged by new modes of competition in a broader marketplace amid the advancing digital age and its rapid pace of technological advancement. Businesses have also had to cope with Thai

sales and increased in number of registered vehicles for investment purposes. Exports during the first quarter of 2019 contracted 1.6% from the same period last year as a result of declining global demand

to COVID-19 pandemic. Therefore, the customer spending was still not fully recovered and declined shopping frequency. In addition, the international travel restriction also affected the declining of

Markets Forum (ACMF) met in Bangkok to endorse the Roadmap on ASEAN Sustainable Capital Markets to promote ASEAN asset classes for sustainable investment, in line with ASEAN’s theme on “Advancing

quality, the Non-Performing Loans (NPLs) continue to show improvement with the Non- Performing Loans (NPLs) to total loans ratio at the end of 2018 declining to 4.1% from 5.0% at the end of 2017. On Special

allowance for inventories declining value of Baht 32 million, resulted from the Company’s new accounting policy of setting allowance for inventories declining value from recording expired product in full cost

from the declining of revenue which because of the high market competitive in the competitor and pricing whereas the gross profit margin increased from the declining of high cost and low margin projects

Loans (NPLs) to total loans ratio at the end of 2018 declining to 4.1% from 5.0% at the end of 2017. On Special Asset Management business, the Bank sold non-performing assets (NPAs) totaling Baht 1,378

was 312.9 million baht compared to 321.7 million baht the same period last year, decreased 2.7 percent or 8.8 million baht mainly from declining in print media and advertising revenue. Revenue from

2018 was 295.8 million baht compared to 358.4 million baht the same period last year, decreased 17.5 percent or 62.6 million baht mainly from declining in print media and advertising revenue. Revenue