subsequent growth in the retail market sales volume. On the other hand, the industrial market experience sales volume decline of 12% YoY from intense market competition. As well as in 2018 the Bangchak

system 6 remained adequate, thus there were no signs of intense competition in the deposit market, especially amid continuous fund inflows. These factors affected KBank liquidity in various dimensions. We

has caused retail market sales volume to increase, whereas the industrial market volume remains similar to the level of Q2/2018 from an intense industrial market competition. 2. Net marketing margin

market recorded marginally lower oil sales compared to the previous year due to the intense competition brewing within the industrial market, and stock management within the refinery during the

-Diesel B20S, which surpasses in quality from the normal B20 in the market. Whereas industrial market sales volume lowered slightly from the intense market competition. 2. Net marketing margin declined

cycle (1 January 2013 - 31 December 2015), the SEC has implemented a more intense inspection program and has given greater weight to the engagement performance element from 15% during the first cycle to

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

flooding in various areas. Also, there was an intense competition in the industrial market. While sales volume of the retail market was slightly lower, consequently due to the seasonal factor which had lower

, due to the intense competition and the higher lubricant raw material costs. This led to the company’s net marketing margin to soften marginally. 3. As of Q1/2018, the total number of service stations

intense, in-depth exchanges with a company’s management or board, often extending over more than a year. Typically, they are initiated with a formal letter to the board, followed by multiple in-person