, the government relief measures for flexible living routine such as the opening of the shops, restaurants and beauty salons which affected to increase in traveling trips. The Company expects that the

’ burden by reducing minimum payment for credit card and personal loan as well as providing a grace period and relief program in the first quarter of 2020. Moreover, the Company adopted a more cautious in

% decreasing from 5.8% at the end of previous year as a result from caution on new loan and customer’s relief measures from COVID-19 situation. In the end of fourth quarter of 2021, the consolidated coverage

total loans ratio for 1Q21 increased to 3.2%1 from 2.9% at the end of 2020 mainly from loans exiting from the relief program. The Bank current level of capital remains strong and is above the minimum

plaintiff who commences the case shall pay for the Court fees only for the relief sought in the part of the plaintiff. Moreover, the counsel for the plaintiff shall be awarded when the Court renders judgment

May 3, 2020, the government relief measures for flexible living routine and curfew cancelation which led to the continued increase in traveling trips. In July 2020, the average traffic volume was at

. Clause 29. Filing of an appeal shall not be a cause of relief as to the enforcement of the administrative sanction. The appellant, however, may file a motion for relief together with the appeal and explain

accounting standards under WHA level. However, the genuine gross margin was 55.3%. Utilities & Power Business 2018 2019 Increase/ (Decrease) THB mm THB mm % Revenue 2,095.1 2,258.7 7.8% Gross Profit 895.2

genuine gross margins for 3 months and 9 months were 51.5% and 54.8%, respectively. Utilities & Power Business Q3 2018 Q3 2019 Increase/ (Decrease) 9M 2018 9M 2019 Increase/ (Decrease) THB mm THB mm % THB

and selling investment products through different channels. • Check and keep transaction records to confirm they are accurate and genuine. • Use a licensed/regulated financial service provider