UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, D.C. 20549 FORM 20-F (Mark One) ☐ REGISTRATION STATEMENT PURSUANT TO SECTION 12(b) OR 12(g) OF THE SECURITIES EXCHANGE ACT OF 1934 OR ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ___________ to ___________ OR ☐ SHELL COMPANY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 Date of event requiring this shell company report ___________ For the trans ...

Exhibit 99.1 The year 2020 was an extraordinary one of uncertainty and turbulence. The COVID-19 pandemic has had a profound and significant impact on all of us. Our 1,786 colleagues located within 21 branch offices throughout Thailand have had to quickly adjust and adapt. Sadly, some have lost friends and loved ones, so I would like to extend my deepest sympathy to all of those who have suffered during the pandemic. We now live, work and play in a different world. A resilient financial performance by a resi ...