their concern on ability to manage liquidity and debt-servicing ability of households and businesses. Although the deterioration in credit quality affected profitability, Thai commercial banking system

new normal world during and post COVID19 our focus remain to:  To manage near-term risks and capture gains  Prepare for a longer-term global lockdown in case it happen  Build upon new opportunities

delivery business - Continued to manage asset rationalization to increase cash liquidity in order to support current and long-term situation - Conducted prudent risk management • Raised customer and employee

-manage cost control To ensure healthy cash flow and preserve profitability amidst uncertainty in 2021, AIS’ approach to optimize cost focuses on digitalization, efficiencies and prioritization. We expect

focus on mobilizing operational responses to protect and grow certain revenue segments while seeking to reduce and optimize cost to ensure the company is able to fairly manage its cash flow and

the special purpose juristic person. The provisional representative under the first paragraph shall have the sole authority to manage the business of the special purpose juristic person in all respects

provisional representative of the special purpose juristic person. The provisional representative under the first paragraph shall have the sole authority to manage the business of the special purpose juristic

order, the timing, price or quantity of the order or how to manage the order after its submission, with limited or no human intervention.1 • Algorithmic trading, program trading, automated trading, and

that the Board has sufficient capabilities and competencies to oversee, assess and manage climate change-related risks and opportunities and climate action plans. Ensure that all staff, including the

a provisional representative of the special purpose juristic person. The provisional representative under the first paragraph shall have the sole authority to manage the business of the special