environment The Thai economy for the year 2019 exhibited a decelerating trend. Private consumption slowed down in almost all categories especially in durable goods from the contractions in vehicle sales partly

the outstanding balance of trade and other receivables, almost 89% of total net trade and other receivables, were under current due. Average collection period decreased from 76 days to 75 days

parts of Toyota cars. Although the total revenue in this year is less than the revenue in 2017, the revenue in quarter 4 of 2018 is almost 10% more than the revenue in the same period last year. Cost of

. Construction service income for the period slightly decreased because the property construction service has almost completed since Q1’17. However, construction service in oil and gas sector has no significant

have to buy the high material cost which we had bought in advan cost is used up almost all in 2 nd and 3 Administration and selling expenses is decreased from last year due to the budget controlling

/2019 (3.43%). • The selling expenses of Q1/2020 is much lower due to cutting of unnecessary expenses. However, the administration expenses are almost unchanged because of fixed expenses such as salaries

$/BBL, a decline of 19.69 $/BBL, or a decline approaching of almost 40% from the previous quarter. This has affected the performance of the refinery business. Moreover, the Thai economy, especially

. Almost of net non-interest income are net fees and service income, gains on investments and dividend income. Other Operating Expenses In the second quarter of 2017, they had other operating expenses

, dividend income and other operating income. In the second quarter of 2017, net non-interest income amounted of Baht 387.5 million, decreased by 39.9% when compared to the second quarter of 2016. Almost of

. Almost of net non-interest income are net fees and service income and dividend income. Other Operating Expenses In the third quarter of 2017, the company and its subsidiaries had other operating expenses