90 111 (21) (18.9) Others 5 1 4 351.6 Interest expenses totaled Baht 1,224 million, an increase of 18.9% yoy mainly from the growth in deposit and borrowings amount consistent with the overall
154 (85) (55.0) Others 6 1 5 588.4 Interest expenses totaled Baht 1,290 million, an increase of 23.6% yoy from the growth in deposit and borrowings amount consistent with the overall expansion in loan
480 (188) (39.1) Others 22 3 19 614.0 Interest expenses totaled Baht 5,033 million, an increase of 19.4% yoy from the growth in deposit consistent with the overall expansion in loan portfolio. Cost of
loans of 13.2% from loan expansions. Interest on investment in loans also increased 350.8%. Interest expense totaled Baht 1,469 million, an increase of 13.9% yoy from the growth in deposit. Yield on loan
the decline in policy rate and deposit rates in the market and also from the temporary reduction in FIDF fee from 0.46% to 0.23% effective from Jan 1, 2020 onwards, resulting in loan spread for 1Q20 to
1.4% for 1Q21 comparing to 1.9% for 1Q20 from continuous cost management in line with the decline in policy rate and market deposit rates during the past periods. Overall, resulting in loan spread for
the decline in policy rate and deposit rates in the market and also from the reduction in FIDF fee from 0.46% to 0.23% effective from Jan 1, 2020 onwards, resulting in loan spread for 1Q20 to increase
of staff benefits, deposit of rental and service fee and other non-current liabilities. After Revision Please kindly be informed accordingly. Sincerely yours, Mr. Opas Sripayak Chief Executive Officer