operating income 89,141 136,605 (47,464) (34.7) Total operating income 4,424,540 3,953,054 471,486 11.9 Other operating expenses Employee's expenses 1,378,748 1,161,050 217,698 18.8 Directors’ remuneration

operating income 4,424,540 3,953,054 471,486 11.9 Other operating expenses Employee's expenses 1,378,748 1,161,050 217,698 18.8 Directors’ remuneration 11,763 11,175 588 5.3 Premises and equipment expenses

resulting in a write-off of deferred financing fee and a payment of prepayment fee in the amount of Baht 111 million, remuneration program’s expense in the amount of Baht 47 million and a provision of

quarter last year. The reason was an increasing of employee remuneration, litigation expenses related to debt collection and cost of services in insurance business. The cost of services for 9 months in 2019

resignation of Mr. Sontiyan Chuenruetainaidhama from positions of Director, Vice Chairman of the Board of Directors No.2 and Nomination and Remuneration Committee, according to the resignation letter, dated 19

, 2017 and September 12, 2017. The exchange rate is referred from Malaysia National Bank. keep the ringgit constant. Payment by cash valuation at 24,000,000 MYR which is equivalent to 196,537,120 THB at

interest-holder. B. Compensation 1. Provide information about the remuneration paid to the issuer’s directors and senior managements that could have a material impact on the issuer’s ability to service the

/ Member of the Risk Management Committee / Member of the Nomination and Remuneration Committee / Chief Executive Officer 2. Mr.Danai Amornpatchara Director / Member of the Risk Management Committee / Member

executives (1) Money remuneration (a) Describe the characteristics of the remunerations for each director during the past year. (For example, Mr. A receives remunerations of XXXX baht in 20XX, consisting of

provisioning reserves, the commercial banking system will still be able to provide quality loan support. Fee income from fund transferred in 2017 will be impacted by the government's National e-Payment scheme to