Thai economy in the third quarter was still affected by the prolonged COVID-19 outbreak and the uncertainty of the epidemic situation of the new Omicron strain of COVID-19. In order that, the

2020 1. The Recovery of Traveling Trips After the government relief measures for the outbreak of COVID-19, the traveling trips both in traffic and ridership volume increased significantly. In this

Page 4/20 Economic Overview and Competition among Commercial Banks In the first quarter of 2020, Thai economy highly contracted from the same period last year as the COVID-19 pandemic has caused

decreased by 12.12 %. The reason for decreased total revenues was mainly due to the decreased in both domestic and export sales between April and August following the COVID-19 pandemic outbreak. Our domestic

customer. In addition, the outbreak of COVID-19 has affected most businesses and industries, such as supply chain systems, consumer spending or production disruptions, as well as delayed operations

comparing to last year due primarily to the COVID-19 outbreak which started in January in China and has since spread to several countries. Measures to contain the outbreak imposed by several countries have

outbreak of the Coronavirus Disease 2019 ("COVID-19"). The Company have been closing hotels since April 1, 2020. - Cost of sales in Q1/2020 amounted 1,108.50 million baht or 60.75% of sales decreased

written premium for the second quarter of 2020 decreased by Baht 86.48 million as a result of the affected by the outbreak of the 2019 coronavirus (COVID-19) crisis. • Underwriting expenses was Baht 399.63

65.60 million baht or 91.94% from 71.35 million baht in Q2/2019 due to the outbreak of the Coronavirus Disease 2019 ("COVID-19"). The Company hotels had been closed during April - June 2020. - Cost of

equity securities, which was in line with the reduction of SET index resulted from the impact of 2019 Corona virus outbreak (COVID-19). Investment income and other income for six months presented a loss of