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

accounting period and forward looking statements, as well as the accounting policies and reasons given for applying such policies.?    

understanding and by contributing to the further development of our respective financial centres. We are looking forward to the continuing good relationship and cooperation between the SEC Thailand and the CSSF

less accommodative in their monetary policies. Looking forward, global interest rates are therefore likely to be on an upward trend. Amid the trade rift which may make the global economic recovery

tax cut packages and accommodative fiscal policy. Broadly speaking, both developed and developing economies, excluding China, showed signs of improvement in concert. Looking forward, the global economic

financial institutions of Baht 114 million; and (3) cash paid to finance costs of Baht 66 million. 6. Forward Looking The Year 2019 was another challenging year for the Company. We dealt with uncontrollable

early in the quarter following the launch of special fixed deposit campaigns by large commercial banks and certain mid-sized banks. Looking at the remainder of this year, overall loan growth is expected

of 2016. Looking ahead into the final quarter of this year, loans are set to maintain growth. Business loans, in particular, are expected to receive a boost from revival in economic activity and the

dropped as a large number of fixed-term deposit accounts reached maturity, and there was a cash outflow from current and savings accounts at three or four banks. Looking at the remainder of this year

Reporting Standards (IFRS9) going forward. All of these factors may affect business adjustments of commercial banks in terms of provisioning expenses, risk calculation, capital maintenance and their overall