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 ...