! 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

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

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

prudently set up provisions to cushion against any possible deteriorations from the COVID-19 situation. Operating results of the Bank and subsidiaries for 1Q21 For 1Q21, the consolidated net profit totaled

maintain an adequate cushion for NPL in the banking system. Overall Picture of the Bank and its Subsidiaries Million Baht Item Quarter Change (%) H1 Change 2/2019 1/2019 2/2018 1/2019 2/2018 2019 2018

line with the prudent approach of setting aside adequate provisioning expenses, the Bank’s total allowances for doubtful accounts amounted to Baht 147.2 billion, which will provide a cushion against any

continue to be major challenges. However, with a relatively high level of capital and the regular setting aside of additional provisions, commercial banks can still maintain an adequate cushion for NPL in