strategic plan to increase overseas coverage in our media portfolio after the situation becomes better. Lastly, the Company would like to extend our best wishes to everyone as we continue fighting this battle

the Thai population and business sectors to become more vigilant in spending and investment. The mobile industry showed a positive sign driven by the overall economic improvement which benefited from

the Bank of Thailand and the Electronic Transactions Development Agency (Public Organization), to unite in making preparations to 4 combat cyber threats, ensuring customers of efficient IT cyber

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records, as well as existing low-risk customers. 2.2 Market Risk Management Economic and political

each area. We continued to prioritize risk assessment through prudent screening and close monitoring of borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track

borrowers, and remained vigilant on risks. Meanwhile, we mainly targeted borrowers with good track records or existing low-risk customers, while giving greater weight to digital lending. 2.2 Market Risk

the ratio of 5.1% in the corresponding period last year due to employee related expenses and one-off item which is a donation of THB 50 million to Chaipattana Foundation to aid fight against COVID-19

for COVID-19. However, the epidemic of the virus was controlled in time by The Thai government, which has implemented a number of preventive measures to combat the situation, such as closing certain

period, but also the high-base effect of disbursement of the central budget to combat COVID- 19 last year. Moreover, the central government's capital expenditure following disbursements by transportation

to fight back the pandemic situation The COVID-19 pandemic and the closure of shopping malls, announced towards the end of March 2020, vastly impacted the sales of After You outlets across the country