and a decrease in net premiums earned - net. Meanwhile, net interest income rose Baht 1,556 million or 6.57 percent, due largely to interest income from loans and investments. Net interest margin (NIM
million or 19.63 percent from the previous quarter, due mainly to declines in net premiums earned, revenue from capital market products as a result of one-time sales of securities, and dividend income
register via SMS or AEON Thai Mobile Application or website in order to redeem the premiums and vouchers, “AEON Shop Smart” campaign, and cash back campaign. In September 2019, the Company launched Visa
cardholders to convert the transaction from full payment to installment payment for up to 10 months, “AEON Gift 2017” AEON cardholders register via website or SMS in order to redeem the premiums, “AEON Shop
”, AEON cardholders register via SMS or AEON Thai Mobile Application or website in order to redeem the premiums and vouchers, and also launched promotion for customers who apply AEON card via online channel
and offered premiums for credit card purchase that reach specific amount, new special discount for Big C Platinum payWave cardholders when spending at Big C Supercenter, Big C Extra, Big C Market, Mini
Thai Mobile Application or website in order to redeem the premiums and vouchers. In addition, AEON Specialized Bank (Cambodia) Plc had credit card revenue of 25 million baht, grew by 80% y-y. - Loans For
throughout the year. For example, AEON Gift 2021 campaign to redeem the premiums and vouchers and AEON shop plus 2020 campaign, customers can get a Shopee discount code through AEON THAI MOBILE Application
C ha ng e ( pe rce nt) 2 on financial transactions via digital channels and declining insurance premiums. Non-performing loans to total loans in this quarter was stable from the end of the prior