February due to COVID-19 as some of our sites in China, India and Italy were impacted. We have taken proactive steps to reduce our inventories, reduce our capex by US$300M and actively manage our costs

directions that focus on effective, timely and proactive integrated risk management (IRM), internal operation efficiency, maximized resource utilization, along with better IT systems, to ensure that we will

quarter owing to the close monitoring of debts and a proactive approach in asset quality management adopted by commercial banks. As of the end of the second quarter of 2018, net loans at 14 domestically

have been established to ensure that we can undertake proactive risk management in all facets of the relationship. 4 Emerging Risks Description of Risks Potential Business Impact of the Risks Mitigating

proactive measures to timely manage the situation rapidly changed by considering all stakeholders. The Company also has the policy of efficiency management in terms of maximizing cost saving and resource

as commercial banks are expected to maintain a cautious stance in their business operations, especially through a proactive approach in asset quality management. Over the short term, however, they may

เชิงรุก (proactive) เช่น ความพยายามเข้าถึงหรือใช้งาน ระบบสารสนเทศที่ผิดปกติ ซึ่งจะช่วยให้สามารถ เตรียมพร้อมรองรับความเสี่ยงดังกล่าว ได้อย่างทันต่อเหตุการณ์ ทั้งนี้ ผู้ประกอบธุรกิจ อาจใช้เคร่ืองมือหรือ

Cambodia and to connect payments between Cambodia and Thailand; and the revision of policies and principles governing housing loans in Thailand as a proactive measure to promote financial stability, etc. 5

the growth plan, the company has planned to use proactive strategy to run power innovation and utility business under PTT Group (The Innovative Power Flagship of PTT Group) that will continuously grow

further the efforts when ready and, when applicable, prioritize and incorporate proactive initiatives into the corporate strategic plan, and disclose progress reports for the benefit of sustainable business