sales; and (vi) other operating income less total interest income and further divided by the sum of (i) – (vi). 3 Operating profit margin is calculated from operating profits before income tax expenses

December,2019. This reclassification has no effect on the operating results of the Company presented in the previous report. 2 Gross profit margin is calculated from the sum of (i) total interest income

)% (4.6)% 35,330 33,009 7.0% Earnings per share (Baht) 4.24 4.73 4.45 (10.3)% (4.6)% 18.51 17.29 7.0% Net interest margin 2.46% 2.42% 2.31% 0.04% 0.15% 2.40% 2.32% 0.08% Net fees and service income to

margin at 2.35 percent. Other operating income grew 52.3 percent, led by higher gains on investments. While non-performing loan (NPL) had remained stable, a one-off higher provision for impairment loss of

previous report. 2 Gross profit margin is calculated from the sum of (i) total interest income (excluding interest income on deposits); (ii) gain (loss) on investment in securities– net; (iii) gain on loans

million in net profit, increasing Baht 151 million or 1.40 percent over-quarter. The increase came from net interest income, which rose Baht 671 million, or 2.83 percent. Net interest margin (NIM) was equal

overall economic performance and within the established targets. Our net interest margin (NIM) equaled 3.47 percent – slightly higher than the preceding quarter. Even though our cost to income ratio rose

and a decrease in net premiums earned - net. Meanwhile, net interest income rose Baht 1,556 million or 6.57 percent, due largely to interest income from loans and investments. Net interest margin (NIM

and within the established targets. Our net interest margin (NIM) equaled 3.43 percent – slightly higher than the preceding quarter. Our cost to income ratio rose marginally from the previous quarter to

the previous quarter, the banking performance fared better, supported by increased dividend income due to seasonal factors. Nonetheless, net interest margin (NIM) declined in the second quarter of 2019