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

ASEAN countries, the figure is insignificant. However, one-third of the unemployed persons were university graduates, and this share is on the rise. The situation reflects two major problems. First, the

both financial and non-financial services, as we continue to gear up for being “The Bank of AEC+3” along with being a Regional Digital Bank. We have established our business direction primarily by

medical equipment as well as medical service concerning health and esthetics. 2. Overview of operating results in the Year 2017. The overall global economy still has growth direction in fine criteria from

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

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