.  “How to Invest in the Time of COVID-19” 2.  “A Way Out for Debtors: Face the Debts and Ready to Repay” 3.  “How to Manage Life Insurance during COVID-19 Situation” 4.  “A New Normal: Financial Behaviors

denominated in currencies of the foreign investment fund, 3) face value of securities denominated in currencies of the foreign investment fund, 4) fair value denominated in currencies of the f foreign

principles into their business practice in order to create sustainable value in the face of external uncertainties. In this regard, SEC, SET, IOD and Thai Listed Companies Association are ready to assist and

addressed by everyone. As a result, those who fail to seriously emphasize on adopting the said practices will face the difficulty in running businesses in the future.

Contracts with Customers, effective on January 1, 2019 onwards, the Company has amended the recognition of revenue from food and beverages in 2019 to accurately reflect the business nature of food center

economic recovery once the outbreak is contained. Looking forward, the Thai economy will continue to face a high level of uncertainty so the MPC is standing ready to use additional appropriate monetary

due to the recognition of special profits, while loan growth and credit quality were affected by the economic slowdown. The combined net profit of the commercial banking system was Baht 270.9 billion, a

gaining wide acceptance and recognition at home and abroad, as reflected in the numerous awards we received in this quarter. C Contents Page Executive Summary A 1. Overview of Operating Environment 1 1.1

ministries have reduced investment budgets in order to use the savings to help combat the Covid-19 outbreak. V3 12/05/63 2 Thai Banking Industry The commercial banking system in Thailand continues to face

also resembles, while we will continue to improve on our journey to zero injuries. Operationally our continued focus on quality and services resulted in recognition from our customers in the form of