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

evaluating the adequacy of the internal control systems of the Company and its subsidiaries. Which is expected to be able to present an audit report and assess the adequacy of the company's internal control

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

size is equivalent to or more than 15% but less than 50% when evaluating the item size conforming to the criteria of total asset value of return. It is 3.99% of total assets of company’s of the

disposition”); the item size is equivalent to or more than 15% but less than 50% when evaluating the item size conforming to the criteria of total asset value of return. It is 3.99% of total assets of company’s

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

(43.85) (7.31%) 1,796.58 1,746.84 49.74 2.85% 2. ECONOMIC SITUATION Thailand economic situation in Q3/2019 in Central and Eastern area were contracted as the same period of 2018 due to global economic