quarter of 2020 with probable forward looking risk factors due to COVID-19 situation. For the 3rd quarter of 2020, the Company had consolidated operating income of 1,333 million baht, an increase of 49
with probable forward looking macroeconomic factors. The Company has also set additional management overlay for customers in the relief program of COVID-19 at the amount of 1,016 million baht. The non
baht, which was resulted from higher provision in the first quarter of 2020 with probable forward looking risk factors due to COVID-19 situation. Net profit was mainly contributed by continued growth of
written- off receivables as well as the Company has also set management overlay for a hedge with probable forward looking macroeconomics factors. Net credit cost was at 5.1% increased from 4.1% in the first
likely damage the intermediary or the capital market or have an impact on the national security, and that they are required to report violations or any significant abnormality to the person responsible for
policy relevant to their job function; (2) communicate to the employees and contractors that they should exercise precaution and refrain from using the organization’s information systems that may likely
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
reservation of rights specifying that the management company may change the invested assets or investment proportion only upon satisfying of the following conditions: (1) there is probable cause to believe that
101 million due to the obligation is highly probable. However, the Company is considering to file a notice of appeal to the Court of Appeal for Specialized Cases regarding the relevant taxable expense