TMBThanachart Bank Public Company Limited Figure 1: Statement of comprehensive income (THB million) FY2021 FY2020 YoY (%) Interest income 64,239 72,321 -11.2% Interest expenses 13,240 18,515 -28.5% Net interest income 51,000 53,805 -5.2% Fees and service income 15,190 16,139 -5.9% Fees and service expenses 3,941 4,791 -17.7% Net fees and service income 11,248 11,348 -0.9% Other operating income 3,288 4,193 -21.6% Non-interest income 14,537 15,541 -6.5% Total operating income 65,537 69,346 -5.5% Total other operating expenses 31,219 32,177 -3.0% Expected credit loss 21,514 24,831 -13.4% Profit before income tax expense 12,804 12,338 3.8% Income tax expense 2,327 2,223 4.7% Profit for the period 10,477 10,115 3.6% Profit to non-controlling interest of subsidiaries 3 3 0.0% Profit to equity holders of the Bank 10,474 10,112 3.6% Other comprehensive income -274 310 -213.2% Total comprehensive income 10,203 10,424 -2.1% Basic earnings per share (THB/share) 0.1086 0.1049 3.5% Note: 1. Consolidated financial statements 2. In 4Q21, the Bank reclassified fee service income, service expenses and OPEX to reflect nature of business, therefore figures in previous period are reclassified for comparative purposes Analysis of operating performance for the accounting year as of 31 December 2021, in comparison to 31 December 2020 is as follows; 128
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