the six months ending June 30, 2019 minus the September 2019 dividend payment, the total capital adequacy ratio, the Common Equity Tier 1 capital adequacy ratio and the Tier 1 capital adequacy ratio of

from the purchases during the motor show in July. In 2020, commercial banks accelerated their assistance to debtors, in particular for SME. The BOT has provided a six-month loan payment holiday for both

the May 2018 dividend payment, the total capital adequacy ratio, the common equity Tier 1 capital adequacy ratio and the Tier 1 capital adequacy ratio of the Bank and its subsidiaries would be 18.73

-19 Change (%qoq) Change (% yoy) Other operating expenses Employee expenses 2,143.56 1,836.94 16.69 597.71 (10.27) 0.42 Director’ remuneration 20.10 10.84 85.42 8.12 171.26 320.60 Premises and equipment

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

Quarter Change (%) 9 Months Change 3/2018 2/2018 3/2017 2/2018 3/2017 2018 2017 (%) Personnel expenses 6,529 6,463 6,446 1.0% 1.3% 19,662 18,938 3.8% Directors’ remuneration 21 46 22 (54.3)% (4.5)% 101 102

2019 2018 (%) Personnel expenses 6,670 6,676 6,529 (0.1)% 2.2% 19,908 19,662 1.3% Directors’ remuneration 22 54 21 (59.3)% 4.8% 111 101 9.9% Premises and equipment expenses 2,441 3,147 2,254 (22.4)% 8.3

sales to EGAT in 9M’2019 increased 6.0% y-on-y to 3.19 Baht/kWh because the energy payment is generally adjusted to reflect changes in natural gas price which increased 9.1% during the period. Electricity

of electricity sold to EGAT in 2019 increased 2.9% y-on-y to 3.16 Baht/kWh and in Q4’2019 decreased 5.2% y-on-y to 3.07 Baht/kWh because the energy payment is generally adjusted to reflect changes in