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

growth of 31.8% YoY after launching Peptein Plus in Q1’19. In addition, Osotspa has launched two new beverages, which are V Plus, drinks with electrolyte, vitamin C and cool mint, and Slimma, block and

anti-aging properties, boost the immune system and reduce inflammation, and “VPlus”, a drink with electrolytes, vitamin C and cool mint. OSP used start-up spirit to handle these new launches, by mean

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

high level of capital and the regular setting aside of additional provision, commercial banks are able to continuously provide an adequate cushion for NPL in the banking system. Overall Picture of the

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

Ethical Tea Partnership, the Better Cotton Initiative, the Confederation of British Industry, the Cool Farm Alliance, the Food Industry Intelligence Network, and the Global Coffee Platform.38 Sustainalytics

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

line with the prudent approach of setting aside adequate provisioning expenses, the Bank’s total allowances for doubtful accounts amounted to Baht 147.2 billion, which will provide a cushion against any

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