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SEP / OCT 2021
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PATTAYA MAYOR UNVEILS
PROVISIONAL EVENT SCHEDULE
FOR THE UPCOMING HIGH SEASON
Cover Story Overleaf
INSIDE THIS ISSUE:
- Report Highlights The Dawn Of Thailand's
E-Payment Era
- Honda Introduces New Honda CR-V Black Edition
- Thailand Business News
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Cover Story
PATTAYA MAYOR UNVEILS
PROVISIONAL EVENT SCHEDULE
FOR THE UPCOMING HIGH SEASON
A range of activities and
events are planned for Pattaya
in the coming months.
Pattaya’s City Mayor, Sontaya
Khunplome was quoted
as saying, “The event schedule
is currently for October
22nd – 23rd: Pattaya Music
Festival which will continue
for four weeks each weekend
and is meant to kick off the return
of events and Pattaya, on
November 19th we will have
a Loy Krathong festival, and
on November 26th -27th: The
Pattaya Fireworks Festival.”
The Mayor was also quoted
as saying, “Additionally, the
“Naklua Walk and Eat Festival
is planned to take place at the
beginning of December until at
least the end of January next
year," adding, “Finally, we are
also preparing for the Pattaya
Countdown Festival for the
New Year, which last year was
canceled due to Covid-19 and
disappointed many people,
including the dozens of musicians
scheduled. We hope to
be able to make up for that this
year with a memorable countdown.”
Although the proposals
are subject to approval from
the Center for Covid-19 Situation
Administration, (CCSA),
preparations are under way for
the tentative schedule.
The Mayor was further
quoted as saying, “We cannot
sit and wait forever, we have
to prepare these activities and
assume the best for the final
months of this year, building
activities and events for both
domestic and foreign tourists.
When/If the CCSA relaxes current
restrictions on gatherings,
social events, entertainment,
concerts, and similar activities
we intend to be ready and able
to be one of the first provinces
in Thailand to resume regular
major events. We also want to
plan events for musicians and
performers who have been out
of work for the past six months
and have struggled just as
much as many business owners.”
With the local vaccination
rate approaching 70 per cent
and a stabilizing, even improving
situation emerging nationwide,
there was expectation
on the part of the Mayor that
permission would be granted
by the CCSA
Regarding safety at events,
the Mayor was quoted as saying,
“We hope to be able to
safely have all of these events
with Covid-19 precautions. We
safely held many events last
year and learned a lot about
how to do so, this year we
plan to do the same with some
adjustments and working with
the CCSA. We have also studied
countries overseas, like
in the UK, on how they have
successfully brought back
festivals and events and plan
to adapt some of their procedures
and policies.”
Pattaya City leaders did
want to stress that although
the event calendar has been
released, the events are only
in the early stages of planning
and that dates and locations
could change at any time
due to the uncertainties of the
Covid-19 situation.
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WATCH-AND-LEARN
APPROACH TO
CLOUD BENEFITS
BUSINESSES IN APJ
In the tech field we are
constantly told to move fast
or be left in the dust. This is
logical and often good advice.
But there are also times when
it pays to stand back, draw
breath, and learn from others'
mistakes. Amid the global race
to the cloud, many Asia-Pacific
organizations have done just
that and as a result strengthened
their position. You might
think of it as a case of "last
mover advantage".
Cloud adoption is a key
component of digital transformation.
But a common misconception
globally has been
that "cloud" equates to the
public cloud. As many leaders
in the US and Europe who
abandoned their data centres
and rushed to it with an
'all-or-nothing' mindset have
since found, it isn't that simple
— and it pays to avoid
becoming locked into a single
solution. Regulatory, cost and
operational concerns are now
prompting a rethink.
In Asia-Pacific meanwhile,
businesses have been more
cautious with their implementations
— essentially unburdened
by large public cloud
investment — are looking to
make their move. They stand
to benefit from increased
choice as more cloud players
enter the market, as well as
a better negotiating position
from a pricing standpoint.
Strategically and operationally,
their focus is on achieving
balance. A balanced hybrid
multicloud strategy starts with
clarity on business objectives.
It means determining which
parts of the business would
be best served in public or private
clouds. It means building
a smart, secure, hybrid multicloud
environment. IDC has
described this as a "'best of
both worlds' deployment strategy"
and already sees multicloud
strategies becoming "the
enterprise norm".
For startups with no IT legacy,
this is relatively straightforward.
Accenture sees more
organizations developing entirely
cloud-native applications
with little to no dependence on
a specific cloud provider. For
organizations with on-premise
data centres and a multitude
of applications and varied
workloads, however, adoption
requires an incremental
approach. To put things in
context, one American multinational
investment bank operates
almost 3,900 applications,
which it is unable to migrate to
the cloud.
For many, the first step is
to get their IT house in order,
shifting thinking from established
processes to organizational
goals and dismantling
siloes. Once the basis and
mindset are in place, it's a case
of generating quick wins that
cumulatively lead to long-term
success: for example, reducing
the amount of time it takes to
enable data processing.
An initial motivation for historically
conservative sectors
such as financial services to
adopt a hybrid multicloud approach
has of course been to
ride out the pandemic.
They need added flexibility to
enable practices like remote
working. But their actions
suggest intent beyond the immediate
crisis. Other sectors
increasingly moving in this direction
include manufacturing,
healthcare and public services.
In Thailand, Toyo Seikan Thailand
kept manufacturing on
track with greater backup capabilities
and remote working
with Nutanix Cloud Platform.
In Singapore, the government
leads by example and is incentivizing
private organizations
to follow. There, we recently
helped the social enterprise
holding group NTUC Enterprise
transform through hybrid
cloud deployment. In New
Zealand, we worked with the
insurer Suncorp to upgrade
workforce capabilities through
hybrid-cloud-enabled technology
and advance a long-term
strategy of digital-first customer
engagement.
Those adopting hybrid
multicloud strategies recognize
that hybrid work patterns
are likely here to stay,
and that they stand to raise
competitiveness by balancing
on-premise and cloud operations.
Reduced financial and
time expenditure is a major
draw. With a hybrid multicloud
architecture in place, staff
whose time was previously
spent on routine procedures
are able to contribute more to
the business, which addresses
the acute IT skills shortage.
Compressed maintenance time
means more up-time for applications,
plugging revenue that
would otherwise be lost. And
the ability to know exactly how
long it will take to get things up
and running again after a crisis
adds peace of mind.
Despite the obvious benefits,
meaningful change is never
as easy as it might at first
look. It's important to remember
that whatever cloud you're
using, it remains a tool rather
than a destination. Striking the
right balance will require some
experimentation. And with increased
flexibility come concerns
around security and data
protection. At Nutanix, our
goal is to help address these
issues by simplifying the way
people operate with the help of
a single, elastic platform with
built-in protection. We see a
future in which organizations
can operate in whatever cloud
they want to without having to
consider security, or other factors
dictating how they should
run their business.
As confidence grows, we
can expect to see industry verticals
create their own cloud
systems. This might involve a
group of manufacturing companies
joining hands, with
government support, to create
a system optimized for their
collective needs. Or it might
be that companies take it upon
themselves to create their own
clouds, as one financial conglomerate
has done in Japan.
Either way, cloud is here to
stay. The key for businesses
is to build a hybrid multicloud
strategy that meets their needs
and enables them to innovate
and grow more efficiently.
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Showroom & Warehouse Address:
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THAILAND BUSINESS NEWS
Artist: Korakot Aromdee
THAI
HANDICRAFT
EXPORTS
ENJOY HIGH
GROWTH
Even in spite of the ongoing
Covid-19 situation, Thai handicraft exports
achieved stellar growth in recent
months.
Indeed, for the
first seven months
of this year, exports
of Thai handicrafts
grew 18.4 per cent
compared to the
same period the prior
year.
Total outbound
shipments for the
period reached
146.72 billion baht.
In July alone exported
goods in the
sector totaled 23.2
billion baht, representing
growth of
28.9 per cent year
on year. For this full
year, growth is expected to comfortably
exceed 20 per cent.
Top export markets were the United
States followed by Japan, Germany,
Hong Kong, the UK, China and Australia.
Gold and silver products were responsible
for 11 billion baht of the export
total, with other products such as furniture,
ornaments, artificial plants, sculptures,
silk fabrics, hand woven fabrics
and ceramic bowls making up the rest.
PIZZA
COMPANY
OPTIMISTIC ON
SALES
EXCEEDING
LAST YEAR’S
LEVEL
The well-known Pizza Company,
which is owned by Minor Food Group
Plc., a SET-listed company, is confident
of an uptick in sales that will see its full
year turnover exceed last year’s level.
As part of that sales push, Pizza
Company is unveiling a new range of
'Buy 1 Get 1 Free' menus that will run
every day until Nov 8th 2021
The company expects that as vaccination
rollouts continue, there will be a
recovery in the pizza market in the forth
quarter. However it feels there could be
more help available.
Panusak Suesatboon, the company's
general manager, was quoted as
saying. "The Pizza Company suggests
that the government should include all
types of restaurants to get the benefit
from the state subsidy schemes especially
for the popular Kon La Krueng
[Half-Half] co-payment scheme which
subsidizes half the cost of purchases,"
he said.
Since the country’s re-opening
schedule is still up in the air, the company
has already planned for two different
marketing campaigns for the
next few months.
If the news is good and re-opening
accelerates then the company will
aggressively market its dine-in experiences.
If however re-opening is delayed
then the alternative marketing
campaign targeting its pizza delivery
business will kick in. These will be in
parallel with any special offers that are
rolled out.
Panusak Suesatboon was also quoted
as saying, "In addition to the marketing
plan, we have learned to have
business agility and speed up to adjust
ourselvesto cash in on any changes.”
NEW NATIONAL
SHIPPING
COMPANY
PLANNED FOR
NEXT YEAR.
A new shipping line, for now known as the
Thai National Shipping Line will be launched
next year as a way to alleviate reliance on overseas
shipping companies.
It will be privately owned but only just – the
government will retain a 49 per cent stake of it.
Currently, Thailand uses its own shipping
companies for only around 10 per cent of its
outgoing shipments. It means that although Thai
shipping companies earned 57.4 billion baht
last year, Thai exporters spent more than 10
times this amount in total, most of which went
to foreign entities.
A reliance on foreign shipping companies
means that it is harder to find vessels, it leads
to potentially increased costs, and leads to an
exacerbation of problems when there is high demand
coupled with low supply.
Transport Minister Saksayam Chidchob
was quoted as saying, “With Covid, we’re facing
container shortages, so a lot of our goods can’t
be shipped and some products will perish. Losses
are incalculable,” adding, “The shipping line
can increase security and support the country’s
ambition to become a logistics hub.”
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FOREIGN CURRENCY UPDATE
THE U.S. DOLLAR
The U.S. Dollar has traded largely sideways
of late. The DXY Dollar index that
measures the Dollar’s value against a
basket of major currencies, moved from
91.87 to 93.13 in choppy fashion over
the course of the last month or so.
The muted price action is likely due to
the fact that it has been a quiet part of
the year and also that there has been
relatively little directional bias from the
Federal Reserve,
with the
Chairman’s latest
statement
re-affirming
that the central
bank remains
in a wait and
see mode. The
rate on the U.S.
10-year note
mirrored this sentiment and has been
range-bound between 1.27 and 1.36
per cent. Against the Thai Baht, the US-
DTHB exchange rate fell from 33.17 to
32.20 only to rebound back to 33.28.
THE BRITISH POUND
The British Pound was also choppy over
the period, trading between 1.3890 and
1.3622 to the US Dollar in non-directional
trade. The latest Bank of England
stance boosted the Pound from its lows,
with the bank expecting inflation to rise
to above 4 per cent for the foreseeable
future whilst at the same time GDP
growth outlook was cut from 2.9 per cent
to 2.1 per cent. Some may consider this
a recipe for stagflation but the BoE is
quite predictably suggesting that inflation
will be transitory. Against the Thai
Baht, the British Pound dropped from
45.93 to 44.26 but rebounded back to
44.78 on what is looking like a strengthening
longer-term trend.
THE JAPANESE YEN
The Japanese Yen has similarly traded
in a tight range and the action remains
sideways. USDJPY exchange rate fell
from 109.80 to 108.99 but returned back
to 110.08. The trading range has been
uncharacteristically tight so there may
be a breakout soon in either direction.
Against the Thai Baht, the Yen moved
between 0.3054 and 0.2921, settling at
0.3002.
THE RUSSIAN RUBLE
The Russian Ruble has barely budged,
trading from 73.70 to the U.S. Dollar to
72.69 over the period. This trading range
is in stark contrast to the wild swings
seen earlier in the year and is even at
odds with previously evident trading
ranges. Once again, it could signify a
breakout is about to occur in either direction
before long. A lack of news flow in
both markets has only exacerbated the
millpond action. Against the Thai Baht
the Ruble strengthened from 0.4468 to
0.4598.
THE EURO
The Euro weakened against the US Dollar
moving from 1.1875 down to 1.1745
in modestly erratic trade, as ECB policy
also continued without any differing bias.
Political events did little to stir up any
trading action either. Against the Thai
Baht, the Euro dropped from 39.04 to
37.95 before rebounding to 39.06.
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PATTAYA
T: 038-411-009 (TH/EN)
M: 084-677-4360 (EN)
E: hightowerpattaya@gmail.com
livingmall
BANGKOK
M: 084 599 7315 (EN / TH)
E: neville@royalsiamprintingservices.com
REPORT HIGHLIGHTS THE DAWN
OF THAILAND'S E-PAYMENT ERA
The rapid development of Thailand's
e-Payment landscape has made
it an essential part of modern Thai life,
allowing unbounded global commerce
and accommodating the rise of the "New
Normal" during the COVID-19 crisis,
while setting the scene for the Kingdom
to steadily evolve into a "cashless society,"
according to a report published on
the Thailand Now website.
The advances are the result of careful
planning and development over the
past six years of the rollout of financial
technology services and systems, the
report said. That level of preparation allowed
the country to be ready to implement
solutions needed when the arrival
COVID-19 accelerated the adoption of
technology by Thai consumers.
Thailand's move towards e-Payment
has been driven by the National e-Payment
Master Plan, which was launched
in 2015 with the aim to transition the
Kingdom to a digital economy and to
bring economic progress for all in the
country.
The plan's five core elements are the
PromptPay system, launched in 2016 to
allow real time transactions to take place
using national ID or phone numbers; the
multiplication of EDC networks and tools
that eliminate the need for cash; the digitization
of the tax system; the establishment
of a state e-Payment system for
efficient welfare distribution, and the promotion
of electronic payment systems.
E-Payments are overseen by the
Bank of Thailand, the country's central
bank, supports the National e-Payment
Master Plan with its own Payment Systems
Roadmap, which states, "Digital
Payment is to be the most preferred
choice in efficient, safe, low-cost payment
systems that meets users' needs."
Arguably the greatest boost to
e-Payment has been the proliferation
of smart mobile phones, which placed
access to fintech and digital money
services in the pockets of everyday
people. Further driving e-Payment has
been the advent of the Quick Response
(QR) code, a system invented in Japan
in 1994, that allows for actionable data
to be read by smartphones. Harnessing
QR codes for e-Payment was spearheaded
by Chinese e-commerce and
social media giants Alibaba and WeChat
and led to their popularity throughout
Asia, the report said.
The mobile banking applications,
that streamlined the myriad of financial
services into safe and user-friendly interfaces,
have all but replaced traditional
in-person banking and pushed e-Payment
into the Thai mainstream. The
mobile banking apps, first introduced by
Kasikornbank in 2010, then by Krungthai
Bank and Siam Commercial Bank in
2012, had initially limited functionalities,
but they have now effectively set the
stage for Thailand's present e-Payment
landscape.
Users quickly started to adopt these
new tools. Just one year after its launch,
the PromptPay system had logged over
718 million transactions and, by December
2018, counted 46.5 million users,
over half the country's population, the
report said, citing the National e-Payment
Committee assessment.
Overall, electronic transactions rose
from a share of 15.9% of the nation's
GDP in 2010 to 24.2% in 2019, according
to Bank of Thailand data.
All of these developments proved
especially valuable when the COVID-19
crisis started in early 2020, the report
said.
Needing to distribute aid nationwide
while maintaining social distancing, the
Thai government was able to use the
e-Payment infrastructure provided by
programs such as PromptPay to effectively
carry out its social services.
Using the e-wallet Pao Tang app, assistance
programs Rao Chana and Mor
33 Rao Rak Gun provided direct monthly
payouts to those in need during the
pandemic. The Co-Pay program saw the
government pay for half of purchases
made by users who simply had to make
their payments via the Pao Tang app,
which also supports Ying Chai Ying Dai,
another Government program, granting
vouchers in users' apps to stimulate
commerce.
Furthermore, the "New Normal"
realities of remote working and learning,
food delivery, and online shopping
affirmed the need for e-Payment as an
element of app-based services, the report
said.
Food delivery services provided in
Thailand by operators such as Grab
Food, Line Man, and Food Panda saw
a massive jump once COVID-19 hampered
dine-in eateries and necessitated
contactless living, with food orders
skyrocketing 100-300%, the report said,
citing a United States Department of Agriculture
report.
Conditions imposed by the pandemic
even played a part in establishing
Thailand's first unicorn, e-commerce
service provider Flash Group, which announced
in June 2021 it had reached a
valuation of over US$1 billion, as online
retail soared due to COVID-19.
The development of Thailand's digital
economy e-Payment involves cooperation
with regional partners, and the
central bank has moved to establish
cross border arrangements with its counterparts
in Malaysia and Singapore to facilitate
retail e-Payment transactions for
consumers and businesses in Thailand
with their counterparts in both countries.
Also, in a forward-looking initiative,
the Bank of Thailand has since 2019
worked on a joint research project with
the Hong Kong Monetary Authority, regarding
the development of central bank
digital currencies (CBDC) and blockchain
technology.
More broadly, the supply chain and
logistics sector is seeing exciting developments
in blockchain adoption for
greater transparency, traceability, and
automation in the production cycle. For
instance, the International Organization
for Migration (IOM) has partnered with
impact tech firm Diginex Solutions to
better protect migrant workers in Thailand's
garment industry using labour
management facilitated by blockchain
technology.
This ultimately benefits companies
looking to improve their ESG disclosure
as well as investors wishing to build socially
responsible portfolios, which are
known to out-perform the market.
All combined, e-Payment thoroughly
deserves the attention and support it is
receiving in Thailand, offering ease and
financial empowerment to individuals
and a world of potential for businesses
at the national and regional levels, the
report concluded.
AMA FASHION PATTAYA
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Tel: +66 3836 1861
Mobile: +66 8151 77321
Pattaya Beach
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Pattaya Beach Road
Central Pattaya Road
Pattaya Second Road
Hard Rock Hotel
P.S. Bowling Plaza
Best Supermarket
Directions for taxi: พัทยากลาง ตรงขาม พี เอส โบวลิ่ง พลาซา (PATTAYA KLANG ROAD)
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LEWINSKIS GOLF
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Walking Street
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South Pattaya Rd.
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SOI 13/3, PATTAYALAND 1, SOUTH PATTAYA.
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8
13
17
18
19
22
17
1
20
15
11
25
27
21
Thai Garden
Resort
9
10
22
6
23
12
24
28
Soi 89
25
26
27
AGSERVICE
World Transfer
GET A BETTER DEAL FOR YOUR MONEY EXCHANGE
29
Yenjit Currency
Exchange
16
18
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BUSINESS
SUPPLEMENT
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+66 853952021
Insurance for expats
Health Home Motorbike
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Your local insurance broker in Pattaya
+66(0)38-415-795
www.aainsure.net
038 416891-2
clean-4you.com
Pattaya’s premier party food supplier since 1997
HAVING A PARTY...
Party Food Pattaya is the leading caterer in Pattaya providing for events big and small
from Kid’s parties to Condo Launch events. Whatever you need, we’ll be able to supply
your party with a wide variety of great foods, cold drinks, service staff, and much more.
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GET IN TOUCH
AND FOLLOW
facebook.com/partyfoodpattaya
www.partyfoodpattaya.com
Tel: 095 078 2567 or
087 137 6138 (Eng)
038 710 609 (Thai)
For all your advertising enquiries - Tel: 0846 77 43 60
TRAVELLING
FROM THAILAND
TO THE UK
It may or may not have come
as a shock to some expats living
in Thailand last month when it
was announced that Thailand is
now on the UK’s travel red list.
What does this actually
mean? It means that the UK
classes Thailand as a high risk
country for Covid-19 and anyone
travelling to the UK from Thailand
needs to quarantine at their
own cost.
You will also only be allowed
to enter the UK if you are a citizen
or have a valid residency
visa. This shouldn’t put you off
from applying for a visitor visa or
starting the settlement visa process.
The red list countries are
reviewed every month, so by the
time visas are issued, Thailand
could well have been downgraded.
The rules are slightly different
for each country within the UK,
so in this article we will cover the
specific rules for England only.
Before you travel to England,
you must take a COVID-19 test
no more than 3 days before you
travel.
You must book a quarantine
hotel package which includes 2
COVID-19 tests and complete
a passenger locator form. The
total cost for quarantine for one
person is £2285 and £3715 for
a couple. For children aged between
5 and 11, the rate is £325.
There is no charge for children
under 5.
The amount of time you need
to quarantine for is 10 days and
you must take a COVID-19 test
on day 2 and day 8 of your quarantine.
These rules apply even if
you have been fully vaccinated.
Make sure that you arrange
your quarantine package before
you travel or you could be fined
up to £4000. Also, many airlines
will not allow you to board unless
you have a quarantine package
in place.
If you have been in a red list
country in the previous 10 days
and need to quarantine, there
are currently only certain airports
which you can arrive at in
the UK and these are:
Heathrow Airport
Gatwick Airport
London City Airport
Birmingham Airport
Bristol Airport
Farnborough Airport
Biggin Hill Airport
And direct flights from red list
countries such as Thailand can
only arrive at London Heathrow
and Birmingham airport.
What happens if you test
positive during quarantine?
If you get a positive result
then you will need to quarantine
for a further 10 days from the day
after you took the test. If you are
travelling with your family and
one person has tested positive
then everyone needs to extend
their quarantine period.
It is not expected for Thailand
to remain on the red list for
an extended period of time and
although you need to take care
when booking travel, it should
not affect any plans you have to
apply for a UK visa for your Thai
partner. If you are thinking of applying
for either a visitor visa or
settlement visa to the UK, please
contact Darren at Key Visa Thailand
for the latest advice and
recommendations.
081-004 5397
Office: 038-422-131
Fax: 038-412-277
E-mail: info@keyvisathailand.com
www.keyvisathailand.com
AROUND THE ASIAN REGION
INDIA COULD
CONTROL
NEARLY HALF
THE WORLD’S
RICE TRADE
India’s rice exports could account
for around 45 per cent of
worldwide exports, or 22 million
tonnes, as it continues to ship record
amounts to Asia, the Middle
East, the U.S., the U.K. and Africa.
The total amount would be more
than that of the next three largest
rice exporters combined.
Nitin Gupta, vice president of
Olam India's rice business, was
quoted as saying, "Along with traditional
buyers, this year China,
Vietnam and Bangladesh are also
making purchases from India.”
The rise in India’s rice exporting
prowess comes as exports
grew 49 per cent in 2020 from the
year before to 14.7 million tonnes.
India has managed this increase
by ensuring prices remain
lower than those offered by other
exporting countries.
As well, one bottle neck, weak
infrastructure at India’s main rice
port, was resolved by allowing rice
exporters to use the deepwater
port at Kakinada.
B.V. Krishna Rao, president of
the Rice Exporters Association of
India, was quoted as saying, "Vessel
waiting period has gone down
after the deepwater port started
handling rice. Demand that could
have shifted to other countries remained
with us.”
CHINA’S
EVERGRANDE
FACING
TREMENDOUS
PRESSURE
As it struggles to pay interest
due on its bonds, Evergrande, the
long-suffering Chinese property
developer, warned that it is facing
‘tremendous pressure’ on its cash
flow.
The company’s share price has
tumbled more than 80 per cent in
the last year as investors have become
spooked by the amount of
debt it has taken on.
Yet the likelihood of a Lehman
style global collapse has largely
been taken off the table.
Abdul Abiad, director of the
macroeconomic research division
at the Asian Development Bank,
was quoted as saying, "Banking
system's capital buffers are strong
enough to absorb a shock even
of Evergrande's size, should it
materialise,” adding, "It warrants
careful monitoring because housing
is an important component of
the Chinese economy... housing
makes up a substantial portion
of household wealth so obviously
if the property sector is impacted
that could have knock-on effects
for the broader Chinese economy.”
The giant company, which is
in debt to the tune of more than
US$300 billion, employs around
200,000 people. However, it may
be indirectly responsible for as
many as 3.8 million jobs in the sectors
it operates in.
‘GREEN’
INDONESIA
STILL RELIANT
ON COAL
Whilst Indonesia has been winning
admiration for its rollout of
EV vehicle roadmaps and other
environmentally friendly schemes,
it seems that the country is unlikely
to stop using coal, at least for
a while.
Sure, Indonesia, which ranks
8th in the world for carbon emissions
and is the world’s largest
exporter of coal, is making some
small steps, but many might argue
that it is too little, too late.
For example, it plans to cease
the commissioning of new coal
fired power plants and to end
coal fired electricity production by
2056. It has also pulled forward its
pledge to become carbon neutral
from 2070 to 2060.
Yet, it is the huge coal mining
industry that is at stake. The sector
provided more than $38 billion
in export earnings from January to
July 2021 alone.
Dadan Kusdiana, the energy
ministry's head of renewable energy,
was quoted as saying, “We are
phasing out coal power plants. But
if you ask whether we're closing
down mines, we have the coal and
there are other utilisation options.”
Indonesia has some 39 billion
tonnes of coal reserves, and other
uses for it are being mulled.
For example, the government has
been trying to persuade the coal
industry to produce dimethyl ether
(DME) from coal, (a potential replacement
for imported liquid petroleum
gas), and to use carbon
capture and storage (CCS) technology.
WINNING WITH GOOGLE
MY BUSINESS
Setting up a Google My Business
account can often be a fast
track to the top of Google Search
results for local businesses, so it’s
important to claim and optimise
your listing as soon as possible.
First of all, you can head to
google.com/business and set up
your account. You will need to verify
your account through a phone
call, postcard sent to your address
or uploading images of your location.
Google does this to ensure that
only genuine businesses who are
really operating in that location are
listed. Google My Business is targeted
primarily at physical, local
brick & mortar businesses which
customers can visit.
The service shouldn’t be used
by virtual offices, e-commerce
businesses or any other business
where customers cannot visit you
at your site.
Just because it shouldn’t be,
doesn’t mean that everyone follows
the rules and there are times
when you will see other businesses
ahead of yours because they have
played the system.
not true on their GMB listing then
as a user you can suggest an edit.
Google My Business is a free listing
and Google takes edit suggestions
from users very seriously. It may
even close down a business listing
if there are many edit suggestions
as this implies that the listing is not
accurate.
Gaining trust and credibility for
your own listing
One of the best ways to gain
credibility for your own Google listing
is by uploading as many real
interior and exterior photos as possible
so that both users and Google
can see this is a genuine location.
You should also make an effort
to get as many reviews as possible
on your Google listing, at least 5
but there is no maximum. So every
time you have a happy customer
make sure to reach out and ask
them to leave a review for you.
So what can you do about it?
If you see a business that is
clearly stating information that is
Gemma Purnell
+66 33 039 399
gemmapurnell.com
gemma@gemmapurnell.com
UNDERSTANDING THE STOCK
Trading on margin is very
enticing but could be dangerous
if there is a sharp move in
the markets against your position.
Essentially, trading on
margin entails borrowing money
to buy shares in the stock
market. Brokers are willing to
lend this money because the
value of the stock or shares will
cover the amount loaned. The
security is built in. Of course
this only rings true as long as
the value of the stocks exceed
the loan amount.
Looking at an example,
let’s say you believe Apple’s
stock price will rise in the near
future. The shares currently sit
at $150 each.
You have a sum of only
$1,500 so you could buy 10
shares of Apple and wait for
their price to rise and sell at
a profit if they do indeed rise.
But even if they go up by 10 per
cent to $165 you will only have
made $150, less commissions
and brokers fees.
Yes, its still 10 per cent and
nothing to be sneezed at, but
the total return is quite small
because the capital employed
is relatively low.
Buying on margin entails
paying for some of the share
price but not all. The broker or
online trading platform will cover
the rest.
In the above example you
may be able to secure Apple
shares by paying just $15 each
but at the same time borrowing
$135 for each share.
What does this mean…? Well
you could play it 2 ways.
You could buy the same 10
shares using this down payment
method and pay only $15 per
share… the total outlay is just $150
for TEN shares. The rest of your
$1,500, namely $1,350, can then
be held safely in your bank account
to be used for other things whether
is to buy other shares or just for
normal living expenses. It means
you haven’t tied up all your money
in the stocks and are just covering
a small portion of the stock price.
If Apple’s stock price goes up
by 10% to $165 then you will still
make $15 per share. It’s a $150
profit but now it is based on just a
$150 outlay. That’s a 100% profit.
The other way to play it, and
the more tempting way for many,
is to more highly leverage your
holding.
Since you have $1,500 and you
only need to front up the first
$15 of the stock price you could
MARKETS – TRADING ON MARGIN
in theory buy not just 10 shares
of Apple but instead you could
buy 100 shares!
You would be borrowing
$13,500 and paying only your
$1,500 to make up the difference.
If the share price goes up
to $165 then you would be sitting
on $3,000 of equity, and
your initial stake of $1,500 dollars
would have doubled.
All is well and good if the
stock price goes up but what if
the price falls?
If the stock price falls
from the initial $150 down to
$145, you will have lost $500,
because you are holding 100
shares, instead of just 10.
With a margin trade you
have to be able to take the
steeper losses along with the
higher potential profits.
If the price drops to $135
per share then you will have
lost your entire $1,500 and at
the same time the broker will
ask you for an urgent margin
payment. This request is known
as a margin call.
You could elect to pay
more money in to keep the
trade running but may endure
more losses if the price drops
further.
If you don’t have any more
money then the shares will be
liquidated immediately to cover
the loan amount. In this case
$13,500 was borrowed and the
100 shares are now only worth
$135 each so you will be able
to repay the loan but you will
entirely lose your $1,500 stake
that you had at the outset and
will be left with nothing.
Margin calls, or rather the
forced liquidations of share
holdings when people can’t
make their margin payments is
one reason why you see stocks
fall far and fast. Many of the
worlds largest trading houses
use leverage and it is a point of
contention with central banks
since it can lead to a house of
cards collapsing very quickly
as people are forced out of
their trades.
As a retail trader, margin
trading should be approached
with caution. If using margin,
it might be better to take the
first option and still purchase
a smaller number of shares so
as to keep money in the bank,
instead of betting the house on
what may turn out to be a shortlived
investment.
JUST THE STATISTICS
While bar charts, line graphs
and simple numbers are hardly
capable of providing the defining
answer to many economic, social
and political questions, they are
certainly a good way of obtaining
a general overview of any particular
subject.
Each month the Business Supplement
will look into a brace of
statistical information and provide
readers with what we consider
to be the central elements
of these figures.
COFFEE SHOPS
AND DESSERT
CAFÉS
Thailand is certainly not in short
supply of coffee shops and dessert
cafes. The landscape is changing
rapidly with some large companies
taking over major brands and opening
or closes hundreds or thousands
of stores at once.
only represented 1.7 per cent of
market share.
The remaining 11.2 per cent
was taken up by a myriad of other
brands including True Coffee, Coffee
Club, Häagen-Dazs, McCafé,
Coffee World, Cold Stone Creamery,
Gateaux House, Intanin, Coffee
Bean & Tea Leaf, Krispy Kreme,
Gloria Jean’s Coffee, Tom n Toms,
and Chester’s Coffee amongst others.
THAILAND’S
URBAN
POPULATION
Urban areas are defined as human
settlements with a high population
density and which have
infrastructure in place. Thus they
encompass cities and major towns.
As towns and cities grow they typically
spread out and add suburbs.
Rural areas on the other hand
are small villages and hamlets,
usually in the countryside, where
According to a report in 2018,
Café Amazon owned by PTT was
the largest by revenue with a market
share of 30.5 per cent. Next
was Starbucks with a 21.8 per cent
market share. Yet in 2019, Thai
Charoen Corporation Group TCC
paid US$500 million for the rights to
operate 372 Starbucks outlets with
plans to add a substantial number
of new stores.
For its part, PTT invested
US$1.3 billion in its Café Amazon
outlets and had a total of 2,000 coffee
shops operating with plans to
expand to 3,500. Many of its coffee
shops are at PTT gas stations.
Further down the line, Swenson’s
took up 11.4 per cent of the
desert and coffee market whilst
Dairy Queen accounted for 5.7 per
cent. Mister Donut, Black Canyon,
and Dunkin’ Donuts took up 5.3
per cent, 4.3 per cent and 3.1 per
cent respectively. ‘After You’ made
up 2.5 per cent closely followed by
Auntie Anne’s at 2.4 per cent. Au
Bon Pain, whilst very well known,
population density is low and where
infrastructure is not in place.
Often everywhere that is not
urban is considered rural. Various
countries have different definitions
of "urban" and "rural" for statistical
analysis.
As of 2020, Thailand’s urban
population as a percentage of its
total population stood at 51.4 per
cent. This has increased steadily
over the years since in 1971
the urban population share stood
at only 21.4 per cent. The rate of
growth is 1.81 per cent per year.
Thailand’s urban population
rate at 51.4 per cent is considered
median. Vietnam has only a 37 per
cent urban population ratio, whilst
Indonesia has 56 per cent.
The U.S. has a rate of 82 per
cent and the UK comes in at 83 per
cent. Some countries boast 100
per cent urbanisation such as Singapore,
Hong Kong and Kuwait.
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Sample great Italian wines - with special promotions
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GETTGO WINS BEST NEW COMPARISON
WEBSITE IN THAILAND 2021 AWARD
gettgo, a comprehensive insurance
comparison platform for the new generation,
was awarded Best New Comparison
Website in Thailand 2021 by The Global
Economics, one of the UK's leading financial
publications. This accolade is part of
the Annual Global Economics Awards
program for the insurance sector, aiming
to annually recognise insurance-related
companies for their best business innovations
and best value propositions.
Mr. Tanat Jakrawatana, Managing Director
of gettgo, speaking on winning the
award, expressed that, "gettgo is proudly
and humbly accepting of this prestigious
award. We are grateful for The Global
Economics' recognition of our efforts to
deliver what's best for the customers.
In my view, it is difficult to conclude
who really is 'the Best platform', since
gettgo doesn't compete or compare in
order to dominate the market. Our only
goal is to put as much effort into understanding
what is in the best interests of
consumers when it comes to finding the
right insurance on online platforms. This is
what we have always been doing, and we
are very proud that our hard work is being
recognised and appreciated on a satisfying
level today."
Mr. Tanat further added information
about features of gettgo's platform which
can well serve what consumers are actually
looking for in 2021, when there is high
demand to display insurance comparison
results in a convenient and transparent
method. Moreover, consumers want freedom
to decide their own insurance choices
that suit different lifestyles. Hence, purchasing
insurance merely based on word
of mouth from family members, friends or
insurance brokers is no longer enough today.
gettgo offers an ample range of insurance
products which are more than
enough to assimilate on-demand services
ranging from health insurance, Covid-19
insurance, car insurance, travel insurance
and more. The platform utilises a very
smart search engine to discover insurance
suitability for every individual's conditions
i.e. the cost they feel comfortable with, or
specific policies to fit different needs.
With this, the customers can thoroughly
compare insurance side by side through
product details and coverage for both life
and non-life insurance from over 20 leading
companies.
This is only the beginning of what
gettgo has offered to customers during
the past 3 years. Behind the scenes, the
platform never stops improving. It maximises
all of its capabilities and manpower
to gather customer databases in all aspects
such as purchase history, reviews,
comments, complaints, or any other social
mentions regarding the brand in order to
create, improve, and develop the products
and the website continuously. These factors
all make up the secret recipe for the
best online insurance comparison website
making it worth every penny for the consumers.
In Q4 this year continuing to 2022,
gettgo is preparing to launch several exciting
projects, namely:
• Collaboration with top life insurance
companies to develop an exclusive
end-to-end health insurance for Thais
with lower purchasing power to suit the
current economic circumstances. The
platform sees the pain point where, although
the ability to purchase is weaker,
the demand for health-related protection
is rising amidst the pandemic situation. It
is timely for gettgo to provide the solution
that helps people gain access to beneficial
and worthwhile insurance as easily as
possible.
• Collaboration with platforms
for employees' flexible benefits to present
top-class, bite-size insurance policies
distributed to corporate staff through point
redemption systems. This exercises how
gettgo, as an avid InsurTech innovator,
applies technology to make insurance
access as straightforward and convenient
as any point-redeemable consumer goods
seen nowadays.
Moreover, gettgo is continuing to develop
the search recommendation engine
for health insurance platform that was
launched in 2020 to continue to make
sure that the customers can find the best
plans within their budget range. All in all,
the projects above demonstrate gettgo's
direction and desire to make progress
with innovations and technologies as an
InsurTech company, so that choosing insurance
products can truly become everyone's
simple task.
About gettgo
gettgo is an online insurance comparison
website founded in 2018 under
Muang Thai Broker Co., Ltd. Its establishment
is in line with the mission to create
a platform to accommodate consumer behaviors
in the digital age, with the need to
compare products by themselves before
deciding to purchase them online. Thus,
gettgo wants to create the experience of
comparison and online insurance purchases
that are convenient and quick, with
simple language and filtered and essential
data, without forcing unnecessary coverage
on users. In this regard, gettgo offers
a selection of online insurance, including
motor insurance, travel insurance, home
insurance, and COVID insurance. Most
recently, in the last quarter of 2020, gettgo
has added health and life insurance products
to respond to the increasing trends of
health over the past few years.
READY
TO MOVE IN
LUXURY LIVING AT
AFFORDABLE PRICES
www.villaasiatic.com
Contact Info
Tel: 090-226-4287 (EN)
063-382-1881 (TH)
info@villaasiatic.com
Facebook: VILLA ASIATIC
by Fed Property Co.Ltd
Railway Bypass, Moo 7, Nongplalai,
Banglamung, Chonburi 20150
HONDA INTRODUCES NEW
HONDA CR-V BLACK EDITION
Honda Automobile (Thailand) Co., Ltd.
accentuates the popularity and leadership
of the new Honda CR-V in the large-size
Sports Utility Vehicle (L-SUV) segment, in
which it held a 60.1% market share in the
first half of 2021, by taking the premium
sportiness of the iconic SUV to the next level
with the introduction of the new Honda
CR-V Black Edition, which boasts a sense
of ultimate sportiness with an exterior design
in a stunning exclusive black tone from
the front to the back.
It comes with new Gloss Black Roof
Rails for the first time, 17-inch Gloss
Black Alloy Wheels, Dark Chrome Front
Grille, Gloss Black Front Bumper with
Dark Chrome Trim, and Gloss Black Rear
Bumper, plus an enhanced look with a
"Black Edition" Emblem, while opening a
new vision through a Panoramic Sunroof.
The new Honda CR-V Black Edition is
available in a Crystal Black (Pearl) exterior
color.
The spacious cabin is distinct with a
sense of luxury in a black-toned design
that comes with a Black Wood Grain Panel
and Piano Black color, and is specially accentuated
with Front Seats with a BLACK
EDITION Logo and 2-row seating (5 seats).
It also comes with a Wireless Charger
and is full of premium features to meet the
needs of all lifestyles. Powered by a 2.4-liter
DOHC i-VTEC petrol engine with a CVT
automatic transmission and a 2WD system,
the 2.4 Black Edition variant is available for
the price of 1,467,000 baht (includes the
Crystal Black (Pearl) exterior color).
All eyes are on the unparalleled sporty
exterior design that boasts a stunning exclusive
black tone from the front to the back.
• The first time it is equipped with new
sporty Gloss Black Roof Rails
• A new vision is unveiled with a One-Touch
Panoramic Sunroof
• Reinforce the robustness with a Dark
Chrome Front Grille, Gloss Black Front
Bumper with Dark Chrome Trim, and Gloss
Black Rear Bumper
• Sporty Front Fog Lights with Full LED
headlights and LED Daytime Running
Lights (DRLs), LED Sequential Turn Signals,
and Full LED Taillights
• Dark Chrome Door Lower Garnish
• Gloss Black Side Door Mirror
• A complete sense of ultimate sportiness
with sporty 17-inch Gloss Black Alloy Wheels
• Accentuate a sense of exclusiveness with
a "Black Edition" emblem in the rear
• Crystal Black (Pearl) exterior color
A spacious cabin featuring a complete
look of sportiness through a black-toned
design that is fully equipped with premium
features.
• Interior design accentuates a luxurious yet
classic look with a Black Wood Grain Panel
and Piano Black color.
• Complete with unique front seats with
Black Edition logo and 2-row seating (5
seats), it also provides spacious rear trunk
space.
• A Wireless Charger was added to offer the
ultimate comfort.
• Various functionalities with the Hands-
Free Power Tailgate.
• Connect every journey with 7-inch Advanced
Touch Display Audio with Apple
CarPlay and Siri Voice Commands.
• In addition, the new Honda CR-V Black
Edition is fully equipped with advanced
safety technologies such as Honda Lane
Watch, Electric Parking Brake and Auto
Brake Hold, Driver Attention Monitor,
and Walk Away Auto Lock, along with
a complete set of premium comfort features
such as Dual-zone Automatic Air
Conditioning, Auto Foldable Side Door
Mirror (controlled by remote control),
and Auto Dimming Rear View Mirror.
The new Honda CR-V Black Edition
comes with the powerful 2.4-liter
DOHC i-VTEC
4-cylinder, 16-valve petrol engine that
produces maximum power of 173 Ps at
6,200 rpm and 224 Newton-meters of
torque at 4,000 rpm, combined with a
CVT automatic transmission for instant
response. It is also E85 compatible
and comes with a 2WD system.
Other Honda CR-V models are available
with two engine options:
• The 1.6-liter i-DTEC 4-cylinder Diesel
Turbo engine has maximum power
of 160 Ps at 4,000 rpm and maximum
torque of 350 Newton-meters at
2,000 rpm, equivalent to a large-size
diesel engine. It works together with
a shift-by-wire nine-speed automatic
transmission. The cabin is spacious
and comfortable with 3-row seating (7
seats). Enjoy confidence during every
drive with Honda Sensing, together
with a 4WD system.
• The 2.4-liter DOHC i-VTEC 4-cylinder
petrol engine provides 173 Ps at
6,200 rpm and 224 Newton-meters
of torque at 4,000 rpm. It is integrated
with a CVT automatic transmission
that offers timely response and is E85
compatible. This engine has a choice
of either a 2WD or 4WD system. It is
available with both 3-row seating (7
seats) or 2-row seating (5 seats) to suit
all lifestyles.
• The Honda CR-V comes in six variants:
Diesel engine:
• DT-EL 4WD priced at 1,759,000 baht
Petrol engine:
• 2.4 EL 4WD priced at 1,579,000
baht
• 2.4 ES 4WD priced at 1,529,000
baht
• 2.4 Black Edition priced at 1,467,000
baht
• 2.4 E priced at 1,419,000 baht
• 2.4 S priced at 1,369,000 baht
• The Honda CR-V is available in five
colors: Cosmic Blue (Metallic) exclusively
for the DT-EL 4WD, 2.4 EL 4WD,
and 2.4 ES 4WD variants, Platinum
White (Pearl), Crystal Black (Pearl),
Modern Steel (Metallic), and Lunar Silver
(Metallic).
Come experience the sense of ultimate
sportiness with the new Honda
CR-V Black Edition at any Honda
Showroom. For more information,
please contact any Honda showroom
sales consultant or chat with a sales
consultant online through www.honda.
co.th. You can also contact the Honda
24Hr Information Center at 0 2341
7777 or read more at www.honda.
co.th/crv.
SUDOKU
These Sudoku puzzles are pitched at a middle level: not too easy, and not too
frustratingly hard, for the average person.
3 9
7
6
3
7 6
9 4
1 5
4
9
4 6
3 7
4 9
6 7
3
2
3 2
5
4 5
1
2 6
4 7
8 3
9
5
1
6 2
4
3 7 1
9 2
8
2
4
9
8
3 4
5 2
2
1 6
6
3
3 2
6 7
7 4
7 6 8
5 9 1
2 3 4
8 1 2
6 7 3
9 4 5
3 8 9
1 5 6
4 2 7
7 3 6
9 8 4
2 5 1
3 6 2
5 1 7
8 4 9
1 7 5
6 9 8
4 2 3
4 1 3
7 2 8
5 6 9
9 4 5
2 8 1
6 3 7
1 7 4
8 9 2
3 5 6
9 2 5
1 7 6
3 8 4
8 5 1
2 4 9
7 6 3
6 3 2
4 1 7
5 9 8
5 9 2
3 4 6
1 7 8
7 6 3
9 5 4
2 8 1
6 2 5
4 3 7
8 1 9
1 4 8
5 3 2
6 7 9
4 9 7
8 6 3
2 5 1
9 8 4
3 2 5
7 1 6
We will publish the solutions in next month’s issue.
Last months sudoku answers
ACROSS
1/ Musician (9)
5/ Polo sticks (7)
8/ Seed (3)
9/ Demolish (7)
12/ Responses (7)
CROSSWORD
DOWN
1/ Third sign of the Zodiac (6)
2/ Cover (5)
3/ Rodent (3)
4/ Dullness (6)
6/ Strong tree (3)
7/ Mariners (7)
10/ Express Mail Service (init) (3)
11/ First name US baseball player Cobb (3)
1 2 3 4
TRIVIA Quiz
1. In which country would you find Mount Sinai?
2. How many countries and principalities share a border with France.
3. Which sign of the zodiac would you be if your birthday was on the 18th
October?
4. Which European country had three kings named Leopold who reigned
for the majority of the years between 1831 and 1951?
5. Of what is semiotics the study?
6. In a standard UK Monopoly game, the green set consists of Bond Street,
Regent Street and which other?
5 6
7
7. Which birthstone is associated with the month of May?
8. Which country has the internet domain extension .hu?
9. What does UNESCO stand for?
8
9
10. Which measurement of speed is equivalent to one nautical mile
per hour?
9
10 11
1. Egypt 2. 8 (Belgium, Luxembourg, Germany, Switzerland, Italy, Monaco, Andorra and
Spain) 3. Libra 4. Belgium 5. Signs and symbols 6. Oxford Street 7. Emerald 8. Hungary 9.
United Nations Educational, Scientific and Cultural Organisation 10. Knot
Answers:
12
CROSSWORD ANSWERS
ACROSS 1/ Guitarist 5/ Mallets 8/ Nut 9/ Destroy 12/ Answers
DOWN 1/ Gemini 2/ Intel 3/ Rat 4/ Tedium 6/ Elm 7/ Sailors 10 EMS 11 tye
For information on the BUSINESS SUPPLEMENT Contact High Tower Co., Ltd. Tel: 038 411 009 - 0846 77 43 60
*The Pattaya & Bangkok Business Supplements are published by High Tower Co., Ltd.
Suppliers of all varieties of Sausages and Meat products from Switzerland,
Germany, Italy and the U.K.
We offer a selection Imported Canadian beef and local beef
(Our local beef suppliers operate under our strict quality control)
We also supply imported Italian products: Cheese, Parma Ham, Salami and Flour.
Large selection of local and imported seafood.t
Tel: 038-411-568
62-147 Moo 12, Arttasit Villa
(Thepprasit Rd, Soi 8)
See our location on the map page
FOODMART
SUPERMARKET
FOODMART
Offers a wide selection of
the best foods and beverages
from around the world
at reasonable prices.
Tel:
038-303 467
FOODMART
Is located directly
on Thappraya Road
north of Thepprasit
Road, opposite
Pan Pan Restaurant.
On Thappraya Road, Jomtien 316/3 Moo 12, Nongprue, Banglamung, Chonburi 20150