% along with 3-5% rising income per head resulting from the launch of new buildings and the enablement of medical excellence centers as planned. Unit : Million Baht Revenues Structure Six month period 2018
consumption should remain resilient owing to rising income levels and employment gains, and fixed investment is likely to pick up amid high capacity utilization and government infrastructure spending. Risks
came from both an increase of Baht 468 million, or 2.93 percent in non-interest income, which was derived mainly from revenue from capital market products and rising net fees and service income, and an
255 million or 1.11 percent in net interest income, derived from rising interest income from investment. KBank maintained key financial ratios at levels consistent with our overall economic performance
loss and high base of 2Q21 with one-time other income. Revised guidance from rising economic concerns Due to a rising concern on inflation, consumer spending, and continued intense competition, AIS
and subsidiaries thus reported Baht 90,484 million in operating profit before provision expense and income tax expense, rising Baht 935 million, or 1.05 percent, over-year. The increase was derived from
effectively. Consequently, we recorded Bt5,251mn in revenue, growing 26% YoY. Soften EBITDA from cost pressure AIS EBITDA in FY22 was Bt89,731mn, dropped -1.8%YoY mostly from a surging electricity price and
the third quarter of 2018, the overall banking system still showed rising net profit over-year due to a decrease in impairment loss on loan and debt securities. Nonetheless, fee income was still on a
previous quarter. The improvement could be attributed to net interest income which increased by Baht 326 million or 1.27 percent. Net interest margin (NIM) stood at 3.34 percent. Non-interest income also
percent increase from last year, due to rising interest income as loan growth accelerated. However, loan impairment charges set aside for credit losses in compliance with IFRS9, which will be effective in