channels to increase fee income and assets under advice. The area of Investment Banking will combine the expertise of several functions within the Group to allow the Group to offer more comprehensive

Bangkok” to develop over 23 rais of area on the corner of Silom and Rama IV roads as the city's prime CBD. The project also aims to improve the area’s infrastructure by adding a new thoroughfare to

approximately 7.7 million baht in order to comply with the Labor Protection Act, revised and announced in 2019. The other increase is in area of personnel costs due to salary normally increased year by year and

experience from operate the business in the first quarter to set business strategy for appropriate the business environment in each area. We believe that sales and service income will grow as continuously and

percent respectively. The major expenses are mainly in area of personnel costs due to salary normally increased year by year and other administrative expenses. The higher administration expenses in nine

commission as selling expenses when the transaction occurred.  2)  Free transfer fee and common area fee - the Group considers the fees to be considerations payable to customers or expenses paid for the

buildings providing net leasable area 139,532 sq.m. in total. In 1Q2020, commercial business generated revenue of THB 243m or 41% increase from last year. Main drivers of the growth rate were the acquisition

additional one-time employee benefit expenses in the current three months, while such provision was made in the same three months last year. The other increase is in area of personnel costs due to salary

respectively. The decrease of selling expense was mainly in area of logistic and marketing expenses. For the period of three months and 1st half ended 30th Sept 2020, the selling expenses were 2.48 percent and

respectively. The major expenses are mainly in area of personnel costs due to salary normally increased year by year and other administrative expenses. The higher administration expenses in 1st half ended 30th