from 1st quarter of 2018, which the commission as a result to selling expense as increase from the same period in last year amount Baht 1.09 million or 18.26 per cent. 3.4 Administration expenses The

a result, the selling expenses as increasable. 3.4 Administration expenses The Group's administrative expenses increased from the last quarter amount Baht 0.37 million or 1.45 per cent, and increase

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

2019 and 2020, administration costs decreased from THB 114.7 Mn to THB 112.0 Mn respectively, a decrease of THB 2.7 Mn or 2.4%. This decrease was mainly due to a decrease in support staff expenses such

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

administration expenses amounted to THB 949.06 million, decreased by THB 15.07 million YoY (-1.56%). The decrease was primarily due to a decrease in marketing expenses of THB 68.21 million because there was no

35.66 percent according to the calculation by the size of the total value of the consideration paid, (including transaction which takes place for 6 months earlier, which when calculation by the size of

the calculation by the size of the total value of the consideration paid, (including transaction which takes place for 6 months earlier, which when calculation by the size of the total value of the

of the consideration paid, (including transaction which takes place for 6 months earlier, which when calculation by the size of the total value of the consideration paid equal to 7.56 percent). The

economic and business trends, they may have direct and indirect effects on the commercial banking business. In detail: 1. Cyberattacks: As technological advancements are taking place, financial institutions