expense and income tax expense rose slightly, by Baht 78 million or 0.33 percent over-quarter, as a result of an increase of Baht 450 million or 2.90 percent in non-interest income, and an increase of Baht

& Device margin was negative at -1.2%, compared to +2.5% in 2Q20 due to decline in high margin devices sale from weak economy Cost & Expense In 3Q20, cost of service was Bt20,377mn, flat QoQ but decreasing

month while equipment rent was discontinued from 3Q19 and incurred a one-time expense of Bt121mn in the same quarter. New accounting standard effective in FY20: From 1 Jan 2020, AIS will adopt TFRS 9 and

, AIS fully expensed handset subsidy as either handset loss or marketing expense. With the effect of TFRS 15, key financial changes, compared to prior to 2019, will be as follows: a) Device subsidy

) (16%) Administrative expenses 277 15% 173 13% 104 60% Finance cost 33 2% 23 2% 10 43% Income tax expenses 19 1% 24 2% (5) (21%) Selling expenses In 3Q17, the Group has the selling expense of Baht 21

) Total interest income 9,139.75 6,413.94 42.50 1,191.50 (45.92) (54.12) Interest expense 2,132.38 1,769.41 20.51 607.75 1.39 33.88 Total interest income-net 7,007.37 4,644.53 50.87 583.75 (64.01) (72.76

. Cost & Expense In FY22, the cost of service was at Bt87,076mn, increasing 2.2%YoY affected by rising utility cost and cost of cloud in line with higher cloud sales to enterprise customers this year

with outstanding performance in terms of environment, society and governance, based on the assessment by Thai pat Institute. August World Medical Hospital received the Outstanding Cooperation Award at

Sales and Expenses Major costs of the Company compose of cost of sales, selling expense, administrative expense and interest expense. In the first nine months of 2016 and 2017, the Company shows its cost

%. This was mainly due to the increased employees at the Company’s head office to support the increase in number of new branches. In addition, the Company recorded the expense for the annual staff seminar