situation on Covid 19. Including measures that the company has taken to reduce the impact and Looking Forward According to the current situation of Covid 19. Company as a holding company which invest in

early in the quarter following the launch of special fixed deposit campaigns by large commercial banks and certain mid-sized banks. Looking at the remainder of this year, overall loan growth is expected

lockdown measures. In addition, the Company maintains management overlay in the amount of 1,378 million baht for a hedge with probable forward looking macroeconomics factors and the new wave of COVID-19

unbiased basis and takes into account forward-looking factors throughout the transaction’s lifetime. The expected credit loss measurement concept may lead to volatility of impairment loss in accordance with

dropped as a large number of fixed-term deposit accounts reached maturity, and there was a cash outflow from current and savings accounts at three or four banks. Looking at the remainder of this year

Reporting Standards (IFRS9) going forward. All of these factors may affect business adjustments of commercial banks in terms of provisioning expenses, risk calculation, capital maintenance and their overall

of Things (IoT) will make security systems more vulnerable to cyberattacks. Looking forward, cyber security risk will remain critical in line with an increasing volume and value of economic and

366 240% Gain (loss) from foreign currency forward contracts (32) (259) 17 152% 106% 39 (225) -672% Gain (loss) on foreign exchange (253) 299 227 190% -24% 237 889 276% Reversal of allowance for gain

a contraction in overall vehicle sales. Other personal loans and credit card loans decreased in tandem with a decline in private consumption growth. Looking forward, financial institutions expect

Asian central banks reduced their policy rates continuously. Looking domestically, Thailand’s economic activity in many sectors declined in line with the overall global economy. The tourism sector in