for expected credit losses to total NPLs ratio (coverage ratio) increased to 152.6% for 3Q20 from 110.1% yoy. When excluding the release of excess loan loss reserve, provisions including loss from sale

, coupled with high excess production capacity, resulted in a contraction in private investment. However, public spending continued to grow from current expenditure through disbursals for public health

(if known)) ( ) Subscription in excess of rights offering ( ) Exercise of conversion rights ( ) By way of inheritance ( X ) Other (please specify): Direct subscription of convertible debentures issued

(if known)) ( ) Subscription in excess of rights offering ( ✔) Exercise of conversion rights ( ) By way of inheritance ( ) Other (please specify): 2.2 ( ) Commencement of status of a concert party

(if known)) ( ) Subscription in excess of rights offering ( ) Exercise of conversion rights ( ) By way of inheritance ( √ ) Other (please specify): newly issued shares by the business 2.2

(if known)) ( ) Subscription in excess of rights offering ( ) Exercise of conversion rights ( ) By way of inheritance (✔) Other (please specify): Convertible Debenture (CD) 2.2 ( ) Commencement of

(if known)) ( ) Subscription in excess of rights offering ( ) Exercise of conversion rights ( ) By way of inheritance (✔) Other (please specify): Convertible Debenture (CD) 2.2 ( ) Commencement of

(if known)) ( ) Subscription in excess of rights offering ( ✔) Exercise of conversion rights ( ) By way of inheritance ( ) Other (please specify): 2.2 ( ) Commencement of status of a concert party

(if known)) ( ) Subscription in excess of rights offering ( ) Exercise of conversion rights ( ) By way of inheritance (✔) Other (please specify): Convertible Debenture (CD) 2.2 ( ) Commencement of

(if known)) ( ) Subscription in excess of rights offering ( ✔) Exercise of conversion rights ( ) By way of inheritance ( ) Other (please specify): 2.2 ( ) Commencement of status of a concert party