ended 31 March 2020 2 | P a g e *Value may differ by one decimal point due to rounding Highlights 1/ One-time expenses in Q1/2019 were resulted from the employee retirement benefit (net after tax). 2

, Obligors, Underwriters, and Arrangers; Governance, Risk Management, and Employee Training; and Disclosure and Communication with Market Participants. TERMS For the purposes of the IOSCO CRA Code:5 under

increase 27.74% , because the company added the employee at management level to align with appropriate organizational restructuring . 7. Financial cost In Q3/2017, the financial cost was Baht 0.47 million

programs focused on mindset adjustment to enhance staff and management abilities to harness changes and challenges on a timely and efficient manner. Toward long-term goals The SEC will continue to implement

responsibility must be lived up with to boost confidence and upgrade standards in corporate governance for companies listed in Thailand.Mr. Rapee Sucharitakul, Secretary-General of the Securities and Exchange

Interest; CRA Responsibilities to the Investing Public, Rated Entities, Obligors, Underwriters, and Arrangers; Governance, Risk Management, and Employee Training; and Disclosure and Communication with Market

Thaicredit Retail Bank Public Company Limited On 1 March, 2017 Thaicredit Retail Bank Public Company Limited (“TCR”) offer for sale newly issued securities in the category of warrant (Employee Stock

newly issued securities in the category of warrant (Employee Stock Option Program : ESOP) without having obtained an approval from the SEC Office. SEC Act S.300 in conjunction with 33 Settlement

the company’s readjusting of employee accrued benefits and base salary to serve the company’s strategy towards fully digitalized format as well as to encourage all employee preparing for Digital

additional investment to upgrade office building’s facilities. - Administration expenses increased due to additional headcount required for the succession plan. Extraordinary items included 15.2 million baht