implemented a COVID-19 business continuity plan to minimize disruption to operations and ensure that the business remains viable during the virus outbreak. • Perform stress test to evaluate impacts on the

infection, easing measures to contain COVID-19 outbreak and lifting domestic travel restrictions in Thailand and several countries recently, various business strategies and marketing plans to be implemented

management measures above, the Group has implemented a series of actions to protect the health and safety of our customers and employees, including the following: restricting travel; use of technology for

on hotel operations from April 1, 2020 is reacting to the unfolding COVID-19 outbreak around the globe, following the lockdown measures implemented by many countries where the Company owns or operates

benefits in the current year. While there is a one-time provision of approximately Baht 7.7 million in the first quarter of 2019 in order to comply with the revised labor law newly implemented in 2019. 1.1

forward contracts - 49.5 (50.8) N.A. (

) N.A. (>100) - 7.1 N.A. (>100) Change The Group has implemented financial reporting standards related to financial instruments (TFRS9) since 1 January 2020 and recognized gain or loss on forward

recorded expected credit loss of 1,345 million baht, decreasing by 25% y-y and 15% q-q. Net credit cost was at 6.6% declined from 7.6% in the second quarter of 2020 as we implemented more conservative credit

Application To support the growth in online channels effectively, the Company implemented 2 main strategies aiming at improving customers’ brand loyalty through After You application as follows: 1. Maintain

(59.8%) N.A. (>100) (1.3) 15.7 N.A. (>100) Change The Group has implemented financial reporting standards related to financial instruments (TFRS9) since 1 January 2020 and recognized gain or loss on