interest margin 2.48% 2.46% 2.34% 0.02% 0.14% Net fees and service income to operating income ratio 23.9% 24.3% 24.1% (0.4)% (0.2)% Expense to operating income ratio 42.6% 56.2% 39.9% (13.6)% 2.7% Return on

-interest income decreased by 1.0 percent as a result of lower gains on tradings and foreign exchange transactions and a minimal decline in net fees and service income. The decline in net fees and service

% 8.57 8.11 5.6% Net interest margin 2.31% 2.35% 2.27% (0.04)% 0.04% 2.33% 2.33% - Net fees and service income to operating income ratio 22.7% 24.7% 24.1% (2.0)% (1.4)% 23.7% 23.4% 0.3% Expense to

% 27,229 24,513 11.1% Earnings per share (Baht) 4.73 4.82 4.28 (1.8)% 10.6% 14.26 12.84 11.1% Net interest margin 2.42% 2.33% 2.30% 0.09% 0.12% 2.38% 2.32% 0.06% Net fees and service income to operating

% Net interest margin 2.33% 2.34% 2.31% (0.01)% 0.02% 2.34% 2.33% 0.01% Net fees and service income to operating income ratio 21.3% 24.1% 22.7% (2.8)% (1.4)% 22.7% 23.7% (1.0)% Expense to operating income

(Baht) 4.28 4.22 4.22 1.4% 1.2% 12.84 12.34 4.1% Net interest margin 2.30% 2.31% 2.33% (0.01)% (0.03)% 2.32% 2.33% (0.01)% Net fees and service income to operating income ratio 23.2% 22.7% 22.8% 0.5% 0.4

from sales 178.46 163.06 15.40 9.44 Service Income - - - - Less Domestic product return / Discount paid 1.90 4.45 2.55 57.30 Total Net sale and Service income 176.56 158.61 17.95 11.32 - Palm oil trading

increase of 5.2 percent, with a net interest margin of 2.34 percent. Non-interest income was Baht 14.4 billion, an increase of 31.8 percent, due predominantly to an increase in net fees and service income

)% 2.35% 2.40% (0.05)% Net fees and service income to operating income ratio 18.7% 22.7% 24.3% (4.0)% (5.6)% 21.3% 22.7% (1.4)% Cost to income ratio 36.6% 41.9% 56.2% (5.3)% (19.6)% 41.1% 45.4% (4.3

(Baht) 4.45 4.28 4.33 4.1% 2.8% 17.29 16.67 3.8% Net interest margin 2.31% 2.30% 2.36% 0.01% (0.05)% 2.32% 2.34% (0.02)% Net fees and service income to operating income ratio 27.3% 23.2% 22.9% 4.1% 4.4