loans and interbank and money market items. Non-interest income fell by Baht 747 million or 5.2 percent due predominantly to lower gains on investments and net fees and service income, partly due to lower

interest income from interbank and money market items and loans, while interest expenses on deposits increased from higher deposit volume. Non-interest income increased by Baht 179 million or 1.6 percent due

the redemption of debentures, while interest expenses on interbank and money market items increased. Non-interest income fell by Baht 330 million or 2.8 percent, due largely to lower gains on

. Moreover, net interest income rose by Baht 972 million or 6.2 percent, mainly from the increase in interest income from loans and interbank and money market items. Interest expenses from deposits decreased

interbank and money market items. This was coupled with a decline in interest expenses on debt issued and borrowings from the early redemption of Subordinated Debentures No. 1/2012 in December 2017. Non

losses to NPL ratio /1 170.5% 203.9% 220.2% (33.4)% (49.7)% Total capital adequacy ratio 16.55% 18.48% 20.04% (1.93)% (3.49)% /1 Including interbank and money market lending At the end of June 2020, the

2.8% Interbank and money market items 2,429 2,321 2,306 4.7% 5.3% 4,751 4,363 8.9% Investments 2,621 2,348 2,150 11.6% 21.9% 4,969 4,310 15.3% Total interest income 28,014 28,365 27,468 (1.2)% 2.0

69,105 1.5% Interbank and money market items 2,380 2,429 2,039 (2.0)% 16.7% 7,130 6,403 11.4% Investments 2,611 2,621 2,454 (0.4)% 6.4% 7,580 6,764 12.1% Total interest income 28,471 28,014 28,220 1.6% 0.9

/2018 1/2018 Interest Income Loans 23,696 24,026 22,366 (1.4)% 5.9% Interbank and money market items 2,321 2,048 2,057 13.3% 12.8% Investments 2,348 2,435 2,160 (3.6)% 8.7% Total interest income 28,365

) Interbank and money market items - net 18,686.8 18,569.1 117.7 0.6 Investments - net 60,925.4 66,288.6 (5,363.2) (8.1) Loans to customers - net 149,403.1 152,040.7 (2,637.6) (1.7) Other assets - net 5,776.1