. 2.4 Extra expenses incurred in this quarter amounted to Baht 372.33 million 2.4.1The extraordinary expenses incurred in this quarter were provision for doubtful accounts of short-term loans amounting to

consist of operating and administrative expenses, bad debt and doubtful accounts, and finance cost. In the fiscal year 2016, the Company had total consolidated expenses of 14,737 million baht, increased by

has planed to generate more fee base incomes in the future. Expenses In the nine-month period, the consolidated expenses that consisted of operating and administrative expense, bad debt and doubtful

highly uncertain situation. V2 27/08/63 5 Operating Income and Expenses of the Bank and its Subsidiaries Million Baht Quarter Change (%) H1 Change 2/2020 1/2020 2/2019 1/2020 2/2019 2020 2019 (%) Net

containing the COVID-19, economic growth is forecasted to contract by -7.8%1; the lowest growth among ASEAN countries. In addition, a range of political issues are loading to an uncertain economic recovery

in the year 2017 caused from expense of bond issuance at Baht 3.89 million and allowance for doubtful account at Baht 2.52 million, however in year 2016 the reversal of doubtful account was Baht 9.79

, 2017 which increased from the same quarter last year totaling 11.08 million Baht or 6.73%. The major reason for the increase is due to an increase of 9.13 million Baht in allowance for doubtful debts

or 157.34%. The primary cause is the cost in the production of agricultural business increased. 2. Allowance for doubtful accounts (reversal) by 0.16 Million Baht increased from the same period last

% 65% 5,646 7,933 301 1,456 5,651 8,988 513 1,984 0% 13% 70% 36% Total Revenues 5,225 5,664 5,979 6% 14% 15,335 17,136 12% Operating and administrative expenses and others Bad debts and doubtful accounts

up of Allowance for Doubtful accounts and loss from investments which increased by 112.24 million Baht from last year and the increase in sales and administration cost to support the expansion of