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

พิจารณาดําเนนิการตอไป หากทานมีขอสงสัย สํานักงานขอเสนอรายชื่อเจาหนาทีโ่ดยแบงตามหวัขอดังนี ้ Active Trust: คุณศุภรา ผองศรี ฝายกํากับธุรกจิจัดการลงทุน โทรศัพท 0-2263 6040 คุณเฉลิมพร วรพันธพานิช ฝา

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

SITUATION Thailand economic situation in Q4/2019 in Central and Eastern area were contracted compared to the same period of 2018 due to global economic and domestic consumption weak, that were impacted from

appliances. Therefore, the Company has allocated resources and services to facilitate and support consumer’s needs and provide products promptly amid the uncertainty and constrained situation. Financially, the

situation. As a result, income from both domestic consumption and foreign tourists increased. • Gross Profit margin in Q1/2023 was 63.6%, increased from 60.6% in Q1/2022, mainly due to increase in the

ความเสี่ยงลูกค้าเครดิตเชิงรุก โดยน าหลกัการ Active Credit Portfolio Management (ACPM) มาประยุกต์ใช้กับการบริหารความเสี่ยงอย่างต่อเนื่อง ผ่านการก าหนดทิศทางการเติบโตและ เปา้หมายทางธุรกิจทัง้ในระดบักลุม่ล

. The Company has active billings of 3.26 million per month with active customers of 2.14 million, mainly from Bangkok 31%, and in up-country 69%. Details of each business can be described as follows