lease of real property and receives services, as follows: 1) Real property lease for not over 3 years 2) Location : Office building at No. 45/14, Moo 1, JKN Gallery Salaya (Building 2), Tambon Song

’ remuneration 46,688 67,367 (20,679) (30.7) Premises and equipment expenses 1,163,974 988,137 175,837 17.8 Taxes and duties 392,544 332,325 60,219 18.1 Loss from revaluation of foreclosed assets 244,229 276,330

5,576,858 5,573,375 3,483 0.1 Directors’ remuneration 47,311 46,688 623 1.3 Premises and equipment expenses 1,300,008 1,163,974 136,034 11.7 Taxes and duties 427,193 392,544 34,649 8.8 Loss from revaluation

1,805,214 11.1 Other operating expenses Employee's expenses 5,573,375 4,967,514 605,861 12.2 Directors’ remuneration 46,688 67,367 (20,679) (30.7) Premises and equipment expenses 1,163,974 988,137 175,837

decrease in premises and equipment expenses. Cost-to-income ratio excluding loss from sale and revaluations of foreclosed assets stood at 38.4% improving from 40.2% during 1Q20. Unit: Baht million 1Q21 4Q20

premises of a service provider, investors should not pay in cash and should transfer the payment directly to the account of the service provider to prevent possible damage from frauds

organizations.  The SEC will officially launch Vibhavadi Zero Waste Campaign on 4 December 2019 to celebrate the Thai Environment Day. Listed companies whose office premises or projects are located on

1,343,023 1,374,024 (31,001) (2.3) Directors’ remuneration 8,631 11,153 (2,522) (22.6) Premises and equipment expenses 333,021 238,457 94,564 39.7 Taxes and duties 92,527 90,224 2,303 2.6 Loss from

. Also, there were concerns about pockets of risks in the property market, further accumulation of household debt, and debt serviceability of SMEs, especially those affected by changes in structural

expenses Unit: Baht million 3Q20 2Q20 % QoQ 3Q19 % YoY 9M20 9M19 % YoY Employee's expenses 1,491 1,342 11.1 1,440 3.5 4,254 4,185 1.7 Directors’ remuneration 8 8 (0.6) 12 (34.2) 23 34 (34.4) Premises and