. On the domestic front, elevated household debt remains a constraint to purchasing power. In the meantime, domestic political situation also warrants monitoring as the government is preparing for an

)% 53,878 52,953 1.7% Non-interest income 12,295 13,534 11,321 (9.2)% 8.6% 36,145 39,385 (8.2)% Operating expenses 12,679 14,108 12,878 (10.1)% (1.5)% 38,975 38,832 0.4% Impairment loss of loans and debt

% Impairment loss of loans and debt securities 7,322 4,617 5,806 58.6% 26.1% Operating profit before tax 11,621 11,038 10,328 5.3% 12.5% Income tax expenses 2,522 2,457 1,951 2.6% 29.3% Net profit 9,099 8,581

demand.Private consumption plummeted due to increasing unemployment, lower household income and higher household debt. Some business sectors have delayed investments in order to maintain some liquidity, and this

appropriate, and provided that the SEC Office has granted a waiver, to be prepared in any other language. Division 2 Announcement of Examination Results and Disclosure on List of Units of Foreign ETF

tangible assets (NTA). The transaction is classified as related party transaction per announcement of the Board of Directors of the Securities Exchange of Thailand pertaining to information disclosure and

significant transactions constituting acquisition or disposal of assets and the announcement of the Stock Exchange of Thailand Re: Disclosure and the operations of listed companies in the acquisition or

2020. These were all a consequence from lockdown regulations following the COVID-19. However, as the situation with Coronavirus has gotten better with the announcement of vaccine, figures of Quarter 4

and debt securities 5,549 5,078 6,533 9.3% (15.1)% 10,627 13,854 (23.3)% Operating profit before tax 11,512 11,348 11,331 1.4% 1.6% 22,859 22,953 (0.4)% Income tax expenses 2,065 2,225 2,041 (7.2)% 1.2

nor shall they certify the accuracy and completeness of the information contained in the Registration Statement. The liability for certification of the accuracy and completeness of the information