duties 862 840 864 2.6% (0.2)% Other expenses 2,804 2,865 1,775 (2.1)% 58.0% Total operating expenses 12,594 13,089 11,082 (3.8)% 13.6% Expense to operating income ratio 39.9% 45.5% 40.7% (5.6)% (0.8

12,538 (0.4)% Directors’ remuneration 46 33 43 39.4% 7.0% 80 63 27.0% Premises and equipment expenses 2,916 2,191 2,821 33.1% 3.4% 5,107 5,006 2.0% Taxes and duties 863 864 837 (0.1)% 3.1% 1,727 1,717 0.6

)% 10.0% 102 82 24.4% Premises and equipment expenses 2,409 2,916 2,368 (17.4)% 1.7% 7,516 7,374 1.9% Taxes and duties 790 863 832 (8.5)% (5.0)% 2,517 2,549 (1.3)% Other expenses 2,271 2,748 2,323 (17.4

Directors’ remuneration 67,367 31,982 35,385 110.6 Premises and equipment expenses 988,137 968,748 19,389 2.0 Taxes and duties 332,325 334,831 (2,506) (0.7) Loss from revaluation of foreclosed assets 276,330

4.2 Directors’ remuneration 67,367 31,982 35,385 110.6 Premises and equipment expenses 988,137 968,748 19,389 2.0 Taxes and duties 332,325 334,831 (2,506) (0.7) Loss from revaluation of foreclosed

and duties 850 816 833 4.2% 2.0% 1,666 1,694 (1.7)% Other expenses 3,381 2,050 3,074 64.9% 10.0% 5,431 5,879 (7.6)% Total operating expenses 14,108 12,201 13,376 15.6% 5.5% 26,310 25,970 1.3% Expense to

6,273 (3.1)% 3.0% 13,133 12,492 5.1% Directors’ remuneration 46 35 46 31.4% - 81 80 1.3% Premises and equipment expenses 2,960 2,223 2,916 33.2% 1.5% 5,183 5,107 1.5% Taxes and duties 833 862 863 (3.4

(1.0)% Premises and equipment expenses 2,254 2,960 2,409 (23.9)% (6.4)% 7,438 7,516 (1.0)% Taxes and duties 820 833 790 (1.6)% 3.8% 2,514 2,517 (0.1)% Other expenses 3,254 3,074 2,271 5.9% 43.3% 9,117

ยอื1น เป็นตน้ การแก้ไข/เพิมเติม สาํนกังานจะพิจารณาแกไ้ขร่างหลกัเกณฑโ์ดยเนน้ให ้บลจ. ยดึหลกั ความรับผดิชอบและความระมดัระวงั (fiduciary duties) ในการเลือกใช ้CRA และตอ้งไม่ cherry picking (2) การคาํนวณอตัรา

13,239 8.4% Directors’ remuneration 66 33 54 100.0% 22.2% 99 89 11.2% Premises and equipment expenses 3,829 2,296 3,147 66.8% 21.7% 6,124 5,885 4.1% Taxes and duties 763 781 850 (2.3)% (10.2)% 1,543 1,666