securities as a result of the capital market volatility. Net interest income amounted to Baht 8,307 million, up 4.2% from the expansion in loans. Loan spread declined from 5.3% to 5.0% yoy for the nine months

11.2% from the expansion in loans. For Q418, loan spread slightly declined from 5.1% to 5.0% yoy due to the high growth in loan portfolio in the low yield segment per aforementioned with yield on loan

growth in exports 2) political uncertainties which may inhibit investments and consumptions and 3) high level of household debts still limiting consumptions. For the auto industry, expansion continued

intended to limit the spread of COVID-19. The health and safety of our staff and customers remains our top priority. Our teams constantly evaluate the situation and use appropriate protocols to serve

between 22 March and 16 May 2020, following the government’s measures to prevent the spread of COVID- 19. Net profit in Q2/2020 was Baht 14.5 million, dropped by 90.8% YoY, mainly due to the decrease in

sector 50.45% as many people avoid travelling according to the prescription measures to prevent the spread of COVID-19 during April to June. However, the Company has expanded market to industrial sector in

Thailand had to announce the closure of the country and take measures to lock down. In order to reduce the spread of the new corona virus (COVID- 19 ) has made the Thai economy as a whole, significantly

outbreak of COVID-19, the company was extremely affected in the second quarter of 2020 or so to say, the amount of waste is reduced by 30 percent. If the outbreak does not spread repeatedly, it is expected

who have to postpone their annual general shareholders’ meeting – and are subsequently unable to appoint an auditor – due to the spread of the novel Coronavirus (Covid-19). In this regard, CMSB

resources such as setting up a team for a specific off-site booth, etc. The Company anticipates that if the situation resolve to near normal and the implementation of vaccination against the spread of COVID