capital, in combination with regular increases in reserves, the commercial banking system will continue to provide a cushion for NPL. Overall Picture of the Bank and its Subsidiaries Million Baht Item

is due to customers’ focus on quality in their asset management. The loan to deposit ratio was 82.5 percent, reflecting an adequate liquidity position to cushion against economic uncertainties. The

offered by the Government of each country to cushion the high losses as well as improving the cash flows. 3 Profit/(Loss) after Taxation and Minority Interests (“PATMI”)/(“LATMI”) 3.1 PATMI/LATMI for the 3

cushion the impact to some degree. Private investment is also projected to contract in line with the slowdown in economic activity. Public spending on investments are expected to be fall as government

prudently set up provisions to cushion against any possible deteriorations from the COVID-19 situation. Operating results of the Bank and subsidiaries for 1Q21 For 1Q21, the consolidated net profit totaled

maintain an adequate cushion for NPL in the banking system. Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) H1 Change 2/2019 1/2019 2/2018 1/2019 2/2018 2019 2018

continue to be major challenges. However, with a relatively high level of capital and the regular setting aside of additional provisions, commercial banks can still maintain an adequate cushion for NPL in

dropped from the same period of last year. At the same time, our robust capital position was sufficient to cushion against risk, and greater than the Bank of Thailand’s requirement. As evidenced, capital

’ increasing reserves and the relatively high level of capital will continue to provide a cushion for the system’s NPL. Factors Affecting Banking Industry Performance Over the next two to three years, government

pace. However, commercial banks will still be cautious in their lending policies. The relatively high level of capital and increases in reserves will continue to provide a cushion for the system’s NPL