(43.85) (7.31%) 1,796.58 1,746.84 49.74 2.85% 2. ECONOMIC SITUATION Thailand economic situation in Q3/2019 in Central and Eastern area were contracted as the same period of 2018 due to global economic

excessive volatility in the global financial markets. The COVID-19 pandemic presents unprecedented challenges for our community and situation is evolving every day. Central Retail Corporation Public Company

from the covid-19 situation resulting in higher expected credit loss amount during 3Q20 when comparing to the same period last year. For loan portfolio, the Bank continues to focus on asset quality

can also learn useful tips for managing financial health during Covid-19 situation as well as guidelines for self-adjustment and business planning advice for SMEs after the situation improves.  The

situation in Thailand has shown recovery sign and economic activities began to resume, outlook for 2H20 remains uncertain. Potential rise in unemployment, slowdown in export from sluggish global economy and

increased ,while the Social security revenue of subsidiaries decreased. Payment system of Social security office is uncertain therefore in Q1/2019 subsidiaries did not receive revenue of chromic disease. 2

and Din’s, both of which received favorable responses from consumers. However, over the course of 2019, the economic situation and consumer confidence continuously worsened and this negatively impacted

present installment or in the next installment. The Company is able to manage this likelihood risks because the Company has set a plan and follow up the situation as all times. There is no outstanding loans

emergency declared in all areas of the Kingdom of Thailand dated 25 March 2020, and according to Section 9 of the Emergency Decree on Public Administration in Emergency Situation, B.E. 2548 (No.1) and Bangkok

SEC Secretary-General Ruenvadee Suwanmongkol said that SEC and the related agencies had discussed the COVID-19 situation and acknowledged limitations on the AGM holding of listed companies. The