Q4 2020 TMBThanachart Bank PCL Earnings Call Transcript
Good afternoon, everyone, and welcome you to full year 2020 performance for TMB. Today, we have presenters, Khun Piti, CEO; Khun Prapasiri, CFO; Khun Naris, our Head of Strategy; and also President, Khun Praphan joined us for this time.
May I pass the presentation to Khun Piti first? Thank you.
Good afternoon, everyone. Thank you for your time. Today, we will separate session into the performance and strategy and then provide you the guidance on what we see for this year. But first of all, before passing the Performance section to CFO, I would like to clear up understanding about the debt relief situation and how we how we managed this because it seems to be the most confusing part because each bank defined this differently. There is no right and wrong because this is new to everyone, so I would like to share our thinking and how we track and how we manage this, including how we provide provision and overlay based on our own framework.
Let's
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