of Things (IoT) will make security systems more vulnerable to cyberattacks. Looking forward, cyber security risk will remain critical in line with an increasing volume and value of economic and

366 240% Gain (loss) from foreign currency forward contracts (32) (259) 17 152% 106% 39 (225) -672% Gain (loss) on foreign exchange (253) 299 227 190% -24% 237 889 276% Reversal of allowance for gain

a contraction in overall vehicle sales. Other personal loans and credit card loans decreased in tandem with a decline in private consumption growth. Looking forward, financial institutions expect

าเร็จที่คาดหมายในอนาคต ( forward-looking performance-based instrument) เป้าหมายเหล่านี้ (1) วัดได้จากตัวชี้วัด (KPIs) ที่ก าหนดไว้ล่วงหน้า และ (2) ได้รับการประเมินโดยเปรียบเทียบกับเป้าหมาย ด้านความยั่งยืน

Asian central banks reduced their policy rates continuously. Looking domestically, Thailand’s economic activity in many sectors declined in line with the overall global economy. The tourism sector in

lease agreement of Baht 53 million; (5) cash paid for treasury shares of Baht 114 million; (6) cash paid to finance costs of Baht 63 million; and (7) cash paid for dividend of Baht 69 million. 6. Forward

dividend payment to the Company’s shareholders of Baht 243 million. Page 8 6. Forward Looking In 2017, the Company’s sales declined, in line with the contraction of the beverage market and the domestic ready

declined after accelerating in the previous quarter. Looking forward, financial institutions expect demand for business credit to increase, especially for large corporates to invest in fixed assets for

2 and Stage 3, the standard requires ECL allowances based on lifetime expected losses. Moreover, ECL also incorporates forward-looking economic scenarios into loss allowances. For 1Q20, expected

requires ECL allowances based on lifetime expected losses. Moreover, ECL also incorporates forward-looking economic scenarios into loss allowances. For 1Q21, expected credit losses totaled Baht 1,234 million