operate domestically, have a credit line with a financial institution not exceeding Baht 500 million, and had a non-NPL status as of December 31, 2019. This will not cover companies listed in the Stock
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
result from increasing of written-off receivables as well as the Company has also set additional management overlay for a hedge with probable forward looking macroeconomics factors, the disease pandemic
management overlay for hedging risk of the economic factor, inflation and constantly rising oil price in the amount of 1.3 billion baht and also set aside for upcoming ended BOT relief measure. Liabilities The
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
measure, the Bank continued to set aside additional expected credit losses (Management Overlay) in the amount of Baht 998 million for any possible adverse impact from the current situation. Total allowance
Management Overlay สําหรับลกูค้าที%เข้าร่วมมาตรการช่วยเหลือลกูหนี 'รายย่อยที%ได้รับ ผลกระทบจาก COVID-19 จํานวน 1,016 ล้านบาท ทั 'งนี ' NPL ต่อลกูหนี 'ทั 'งหมด (NPL ratio) คดิเป็นร้อยละ 3.70 ของ ลกูหนี 'การค้า
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