. Because the business has more intense competition as a result the unit price to decrease and the baht appreciation and also has an effect from the increased cost-to-income ratio. SG&A SG&A of the Company
political clarity from elections. Resulting in a slowdown in investment from the private sector and the public sector, there is intense competition from the domestic market. Increasing product costs due to
from the private sector and the government slowed down. There is intense competition. The cost of goods increases from the labor cost that the company must bear. In the second quarter of 2019, the
the same period of the previous year by 3.83 million Baht and 12.38 million Baht respectively, due to the lower sales caused by the depreciation of Thai Baht and intense competitive situation in foreign
and better respond to customer needs. However, there is also more intense competition after fees were waived for transactions via banks’ digital banking channels. Banks therefore need to acquire more
significant changing is detailed as follows: Total Expenses for the three month of the year 2020 equal to Baht 234.72 million compared with the three month of 2019 which had amount of Baht 186.20 million by
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upcoming challenges and trends affecting the country’s financial sectors due to the rapidly changing scenarios. The SEC Strategic Plan is also designed to further pursue capital market developments towards
materially affect investors’ investment decision such as 1. serious damages 2. changing in issuer’s objects or the nature of business 3. events of default 4. entering into an agreement entrusting other persons