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

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

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

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

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 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

medical professionals in the fight against COVID-19. Last but not least, OSP’s engineers have been working closely with Chaophya hospital and the Engineering Institute of Thailand to design and develop

encourage heroes (healthcare workers) who help fight COVID-19. - “DUSIT Care Card” gives the opportunity to those interested to buy a voucher to stay at Dusit hotels and reports in Thailand that participate

activities in the digital world. This trend will likely be evident in the foreseeable future. To cope with this challenge, the business sector, including Thai commercial banks, has become more vigilant in

University, Phuket Campus which is set up to treat COVID-19 infected patients. This includes transport of medical supplies and essential goods which are much needed in fight against COVID-19. Airport Related