with probable forward looking macroeconomic factors. The Company has also set additional management overlay for customers in the relief program of COVID-19 at the amount of 1,016 million baht. The non
baht, which was resulted from higher provision in the first quarter of 2020 with probable forward looking risk factors due to COVID-19 situation. Net profit was mainly contributed by continued growth of
written- off receivables as well as the Company has also set management overlay for a hedge with probable forward looking macroeconomics factors. Net credit cost was at 5.1% increased from 4.1% in the first
plans to reflect the circumstances under which it is faced. Doing so shall entail further penetrations in modern trades, which is supported by our distinguishing position of official sponsor to Chelsea
trades, which is supported by our distinguishing position of official sponsor to Chelsea Football Club Limited and English Football League, careful allocation of marketing and promotional budgets to spur
channels in the 3rd quarter of 2017. Coupled with this, such progress is supported by our distinguishing position of official sponsor to Chelsea Football Club Limited and English Football League and product
lockdown measures. In addition, the Company maintains management overlay in the amount of 1,378 million baht for a hedge with probable forward looking macroeconomics factors and the new wave of COVID-19
. Actual value may change depending on the exchange rate being effected as of the transaction date 7 is supported by our distinguishing position of official sponsor to Chelsea Football Club Limited and
penetrate into three of the leading modern trade channels in the 3rd quarter of 2017. Coupled with this, such progress is supported by our distinguishing position of official sponsor to Chelsea Football Club
reservation of rights specifying that the management company may change the invested assets or investment proportion only upon satisfying of the following conditions: (1) there is probable cause to believe that