Form 56-1 One Report 2021 (THB million) FY 2021 FY 2020 YoY (%) Interest income 64,239 72,321 -11.2% Interest on interbank and money market items 1,060 1,922 -44.8% Investments and trading transactions 66 109 -38.9% Investments in debt securities 1,247 1,920 -35.1% Interest on loans 39,827 45,633 -12.7% Interest on hire purechase and financial lease 22,034 22,734 -3.1% Others 5 2 169.4% Interest expenses 13,240 18,515 -28.5% Interest on deposits 7,158 11,553 -38.0% Interest on interbank and money market items 277 538 -48.6% Contributions to the Deposit Protection Agency 3,240 3,445 -5.9% Interest on debt issued and borrowings 2,510 2,928 -14.3% Borrowing fee 33 37 -12.0% Others 23 14 61.0% Net interest income (NII) 51,000 53,805 -5.2% Note: Consolidated financial statements 4.1 Operating income In 2021, the Bank generated THB65,537 million of total operating income which decreased 5.5% from last year because the muted top-line growth from prolonged COVID-19 pandemic. Net interest income decreased by 5.2% from the same period last year, resulting from softening yield on loan and loan volume compression while non-interest income declined by 6.5% YoY due to lower net fee and service income from the sluggish business activities and partial lockdown. Operating expense was well-managed, which dropped by 3.0% from the same period last year. Details of the Bank’s operating performance was as follows. Figure 2: Net interest income 129
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