(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
quarter of 2016, following the continues loan growth. Net Non-interest Income Net non-interest income are including net fees and service income, gains (losses) on trading and foreign exchange transactions
of ICUK aligning to the spending control scheme in order to achieve an acceptable return on sales, and a reduction in sponsorship fees to an international football club in parallel to the status and
serve as a key to future growth in overseas businesses. Recently, we decided to enter into the deed of variation in respect of rights and fees to the sponsorship agreement with Chelsea Football Club
• Catering services such as parties, wedding receptions, restaurants or any events • Pop-up store sales in various locations • Revenue recognition of initial franchise fees, other fees and royalty fees from
receptions, restaurants or any events • Pop-up store sales in various locations • Revenue recognition of initial franchise fees, other fees and royalty fees from “After You” franchise in Hongkong and “Mikka
(BAHT'000) 2018 2017 Amount % Interest income 3,789,635 3,590,912 198,723 5.5 Interest expenses 1,143,392 1,044,855 98,537 9.4 Interest income, net 2,646,243 2,546,057 100,186 3.9 Fees and services income
, CONSOLIDATED Change (BAHT'000) 2018 2017 Amount % Interest income 3,789,635 3,590,912 198,723 5.5 Interest expenses 1,143,392 1,044,855 98,537 9.4 Interest income, net 2,646,243 2,546,057 100,186 3.9 Fees and
income amounted to Baht 5,594 million, an increase of 26.0% driven by the increase in net interest income of 15.9% with non-interest income also increasing by 48.3% from the increase in both net fees and