continuously which had the various products to meet the appropriate of the customers. The bank has provided the products by offfering the incentives rate alongside the any benefits which increased the

allowances of the Nomination and Remuneration Committee determined on a per occasion) to be in line with the increased number of directors as detailed below: Position Remuneration Unit 2020 (Proposed) 2019

had been in the form of meeting allowances, payable monthly as approved by the annual shareholders’ meeting. On the other hand, the remuneration, given in the form of bonuses, according to the Company’s

been in the form of meeting allowances, payable monthly as approved by the annual shareholders’ meeting. On the other hand, the remuneration, given in the form of bonuses, according to the Company’s

expenses increase were selling expenses in related to allowances for doubtful debts in subsidiaries and the employee remuneration expenses from business segment expansion. Statement of Financial Positions

YoY. Transfer ownership of condominium unit of the ESSE at Singha Complex, the ESSE Asoke and Banyan Tree Residences Riverside Bangkok mainly attributed to the surge. Residential projects for sales as

% YoY. Transfer ownership of condominium unit of the ESSE at Singha Complex since September 2019, the ESSE Asoke and Banyan Tree Residences Riverside Bangkok mainly attributed to the surge. Residential

Riverside Bangkok and sales of land plot of Santiburi the Residences. Page 3 of 7 Management Discussion and Analysis 1Q2019 Residential projects for sales as at 31 March 2019: Project Project value Sold

THB 1,264m, grew by THB 948m or 300% YoY. Transfer ownership of condominium unit of the Esse Asoke and Banyan Tree Residences Riverside Bangkok mainly attributed to the surge. Page 3 of 7 Management

Thai Financial Reporting Standard No. 9 (TFRS 9). Financial instruments under TFRS 9 are classified into 3 stages. For stage 1, TFRS 9 requires ECL allowances based on 12 month expected losses. For Stage