interest income from loans following the adoption of the TFRS 9. This was also combined with a decline in transaction volume, as measures to prevent the spread of Covid-19 led to consumers using more digital
on disposal of assets increased. Net fees and service income decreased as a result of the exemption of transaction fees via digital channels and a decrease in fees from securities business in line with
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า่ )low-single digit( เอไอเอสยงัคงเดนิหน้าสู่การปรบัเปลีย่นธุรกจิสู่กระบวนการดจิทิลั (Digital Transformation) โดยน าเทคโนโลยใีหม่ๆ มามอบประสบการณ์ทีเ่หนือระดบั (Distinctive Customer Experience) ใหแ้ก่