! 3G -/7a / !5!! 9!3C!56 $5!I+51+63G 6-7 ! -M7- C (Net Capital) 476!769 7 +- /4 1 +,!+:/ +: 3G 6 cushion +,!7669 7 +- /4 +- /4 +: +-9M98A! +53G +!56+- %G 7 !A6,9M98A! /!I+5!I9, !!7 1 h 6+A!6 6

offered by the Government of each country to cushion the high losses as well as improving the cash flows. 3 Profit/(Loss) after Taxation and Minority Interests (“PATMI”)/(“LATMI”) 3.1 PATMI/LATMI for the 3

confidence and higher household incomes. In early October, Bank of Thailand announced tighter mortgage rules in order to cool the property market and avoid the escalation of risks. Domestically, private

/Cool Waste Heat Cogeneration of power and heating/cooling Electric Heat Pumps N/A 17 Thailand Taxonomy EU Taxonomy China Taxonomy CBI Taxonomy South Africa Heat/Cool Distribution N/A Gas Transmission

capital, in combination with regular increases in reserves, the commercial banking system will continue to provide a cushion for NPL. Overall Picture of the Bank and its Subsidiaries Million Baht Item

is due to customers’ focus on quality in their asset management. The loan to deposit ratio was 82.5 percent, reflecting an adequate liquidity position to cushion against economic uncertainties. The

growth of 31.8% YoY after launching Peptein Plus in Q1’19. In addition, Osotspa has launched two new beverages, which are V Plus, drinks with electrolyte, vitamin C and cool mint, and Slimma, block and

anti-aging properties, boost the immune system and reduce inflammation, and “VPlus”, a drink with electrolytes, vitamin C and cool mint. OSP used start-up spirit to handle these new launches, by mean

cushion the impact to some degree. Private investment is also projected to contract in line with the slowdown in economic activity. Public spending on investments are expected to be fall as government

high level of capital and the regular setting aside of additional provision, commercial banks are able to continuously provide an adequate cushion for NPL in the banking system. Overall Picture of the