mainly due to the impact of the Coronavirus 2019 (“COVID-19”) outbreak, the government has strictly controlled the situation by closing the potential risk business including beauty clinic. These

2021, the capital to risk-weighted assets ratio (BIS ratio) increased by 19.630% from 19.802% as at 31 December 2020, higher than the minimum rate of 11.000%, required by the Bank of Thailand. Tier-1

areas with a high risk of COVID-19 transmission and limiting travel. Moreover, the government has introduced various stimulus measures and programs to boost spending, such as Co-Pay, the ‘Let’s Travel

the Group has been improved since under TFRS 9, reserve of loans and contingents where the credit risk has not increased significantly (Stage 1 Reserve) and reserve of loans and contingents where the

of its normal risk management using a delta-neutral hedging strategy. The Delta hedging strategy requires that the Company continuously adjusts its hedging position as the market moves up or down. If

were barely changed comparing to the same quarter of last year. For the financial risk perspective, the ratio was at extremely low leverage with debt to equity ratio of 0.2x from 0.3x yoy. Please be

were to reduce the business risk and increase revenue from recurring business in the long- term. For the total gross profit (excluding sale of vacant land), the proportion of gross profit contributed

diversification in revenue structure and risk into 3 main businesses supporting each other and focusing on Healthy & Beauty Sector. Although the economic circumstance has been suffering from the COVID-19 outbreak

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