(4.1) 3,539 8.2 Non-interest income 1,785 1,979 (9.8) 2,055 (13.2) Total operating income 5,615 5,974 (6.0) 5,594 0.4 Total other operating expenses 2,583 2,545 1.5 3,355 (23.0) Expected credit losses
sharing 186,326 180,015 6,311 3.5 Other operating income 56,129 75,658 (19,529) (25.8) Total operating income 5,594,136 4,440,874 1,153,262 26.0 Other operating expenses Employee's expenses 1,421,741
by Baht 8.83 million, mainly due to the following reasons: • Operating income of first half of 2019 Baht 10.52 million. • Retrospective adjustments from changes in accounting policy Baht (1.33) million
profit sharing 180,015 275,156 (95,141) (34.6) Other operating income 75,658 96,520 (20,862) (21.6) Total operating income 4,440,874 4,338,567 102,307 2.4 Other operating expenses Employee's expenses
115.21 (18.77) 12.98 (33.13) (68.73) Total other operating income 91.60 146.79 (37.60) 48.11 169.22 (49.14) Total operating income 10,103.79 7,981.74 26.59 2,422.11 22.20 (15.84) Total other operating
% (0.39)% (0.23)% 2.31% 2.42% (0.11)% Net fees and service income to operating income ratio 17.4% 24.1% 21.2% (6.7)% (3.8)% 20.4% 22.5% (2.1)% Cost to income ratio 46.5% 43.1% 45.3% 3.4% 1.2% 45.0% 44.0
)% 2.35% 2.40% (0.05)% Net fees and service income to operating income ratio 18.7% 22.7% 24.3% (4.0)% (5.6)% 21.3% 22.7% (1.4)% Cost to income ratio 36.6% 41.9% 56.2% (5.3)% (19.6)% 41.1% 45.4% (4.3
profit sharing 275,156 141,197 133,959 94.9 Other operating income 96,520 124,660 (28,140) (22.6) Total operating income 4,338,567 3,802,954 535,613 14.1 Other operating expenses Employee's expenses
income and profit sharing 275,156 141,197 133,959 94.9 Other operating income 96,520 124,660 (28,140) (22.6) Total operating income 4,338,567 3,802,954 535,613 14.1 Other operating expenses Employee's
investments, net (19,132) (1,173) (17,959) 1,531.0 Dividend income and profit sharing 180,015 275,156 (95,141) (34.6) Other operating income 75,658 96,520 (20,862) (21.6) Total operating income 4,440,874