Coronavirus (Covid-19) impacting to the world and caused many types of business to severe disruption and unable to assess when the situation will end. UBIS (Asia) company was affected in this quarter as well

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

situation will end, the company was also affected in the 1st quarter too. Starting with China as the beginning of outbreak, the government has locked down the country and ordered the cease operation in both

million or -40.62% YoY. The main reason for the decline in user spending was the inflationary situation of the country's economy, causing the consumer purchasing power to decrease, together with the

to monitor the situation closely in order to conduct the appropriate measures. For more details, please see section “COVID-19: Impacts and Response Plan” 1Q 2020 PERFORMANCE 1Q 2020 P&L SNAPSHOT AND

Quarter of 2020, as follows: The Group’s Operation under the Epidemic Situation of Coronavirus 2019 Due to the global epidemic situation of Coronavirus 2019 (‘COVID-19’) and the countermeasures taken by the

such as the closure of some businesses, temporary reduce or change the working hours and the implementation of social distancing. These situation and measures have widely impacted the world economy many

by thriving exports and tourism. Manufacturing production fared better, in line with manufacturing sector indicators tracing the promising trends in core economies. Against this backdrop, KResearch

in line with thriving exports, and capital inflows into Thailand’s debt and equity markets, which was consistent with fund inflows seen in other emerging markets. Given these, the Thai Baht

from the covid-19 situation resulting in higher expected credit loss amount during 3Q20 when comparing to the same period last year. For loan portfolio, the Bank continues to focus on asset quality