It has been a tough year for retail as movement curbs and social distancing measures have limited footfall in malls and retail outlets. For Dairy Farm International Holdings Ltd (SGX: D01), 2020 will be remembered as one of its toughest on record, as the group undertakes a strategic three-year transformation plan. The retail giant, with a wide array of brands such as Giant, Cold Storage, Mannings and Wellcome, was hit by a dearth of tourists as countries shut borders. However, digital change is helping the group to stay relevant and has helped to mitigate some of the tough challenges it is facing. Dairy Farm recently released its full-year 2020 earnings, and here are five aspects investors should know about. Lower underlying net profit and dividends Sales for the group fell by 8% year on year to US$10.3 billion as the retailer was impacted by widespread lockdowns that curtailed customer traffic to its numerous stores....