-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

system will be able to continue to support the quality of loans in the system. Fee income from fund transfers in 2017 will be impacted by the government's National e- Payment scheme to encourage a

in March 2019. • Electricity price sales to EGAT increased 7.6% y-on-y in Q2’2019 and 10.2% y-on-y in 6M’2019 to 3.24 Baht/kWh because the energy payment is generally adjusted to reflect changes in

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