bring about multiple risks that are more severe, more complex, and with a more Given the hyperconnectedness of businesses within the ecosystem, businesses may gain benefits but may also be exposed to

PowerPoint Presentation THE INNOVATIVE POWER FLAGSHIP OF PTT GROUP MANAGEMENT DISCUSSION & ANALYSIS MD&A Q1/2020 PAGE 1 MANAGEMENT DISCUSSION & ANALYSIS (MD&A) Q1/2020 After fully completed the

with severe and significantly complex digital risk and cybersecurity challenges, we have established a Digital-Oriented Risk and Cyber Security Risk Management Framework in alignment with the strategy of

severe flooding or heavy monsoon rains also deals a serious blow to households’ properties and quality of life. These extreme events would inevitably hurt demand for financial services as well as borrowers