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

from the weakened household income especially in non-farm income together with the tightening of financial institutions credit approvals due to the deteriorations in asset quality. The non-durable goods

tightening of financial institutions in loans approvals due to the deteriorations in asset quality. Private investment contracted in the investment in construction from the decline in permitted construction

financial institutions in loans approvals due to the deteriorations in asset quality. Private investment contracted in the investment in construction from the decline in permitted construction area and also