July 2019, Moody’s Investors Service upgraded the Bank’s subordinated debt instrument rating to Baa2 from Baa3 and the Bank's Baseline Credit Assessment (BCA) to baa1 from baa2 and changed the outlook to

transacts in a trading instrument issued by the rated entity or obligor; b. Holds or transacts in a trading instrument (other than a diversified collective investment scheme) that itself owns an interest in

for health-conscious consumers. The additional beverage capacity has been commercial run since June, one month earlier than planned. With the new beverage capacity, C-Vitt will be one of the growth

juice, and fresh tamarind juice. The products are introduced to serve the growing health-conscious trend during COVID-19 outbreak, especially strengthening immunity system, which is currently among the

LUGGAW fruit shop at Marketplace, Nanglinchee Community Mall to meet the current customer demands, which focuses more on health- conscious products. The Company enhance growth through introducing new brand

outside of department stores in order to serve the increasing number of health-conscious consumers. Expanding “Luggaw” to Increase Brand Portfolio Continue to Aim to Grow Internationally The Company

Service Long-term Deposit Baa1 Baa1 Baa1 Short-term Deposit P-2 P-2 P-2 Senior Unsecured Debt Instrument Baa1 Baa1 Baa1 Subordinated Debt Instrument Baa3 Baa3 Baa3 Financial Strength (BCA) baa2 baa2 baa2

are as follows: Credit Rating Agency * June 2019 March 2019 December 2018 Moody’s Investors Service Long-term Deposit Baa1 Baa1 Baa1 Short-term Deposit P-2 P-2 P-2 Senior Unsecured Debt Instrument Baa1

Agency * June 30, 2018 March 31, 2018 December 31, 2017 Moody’s Investors Service Long-term Deposit Baa1 Baa1 Baa1 Short-term Deposit P-2 P-2 P-2 Senior Unsecured Debt Instrument Baa1 Baa1 Baa1

Long-term Deposit Baa1 Baa1 Baa1 Short-term Deposit P-2 P-2 P-2 Senior Unsecured Debt Instrument Baa1 Baa1 Baa1 Subordinated Debt Instrument Baa3 Baa3 Baa3 Financial Strength (BCA) baa2 baa2 baa2 Outlook