Consolidated statements of profit or loss and other comprehensive income (Unit: THB million) 2021 2020* 2019 Interest income 64,239 72,320 39,837 Interest expenses 13,239 18,515 12,972 Net interest income 51,000 53,805 26,865 Fees and service income 15,190 16,139 11,343 Fees and service expenses 3,941 4,791 3,245 Net fees and service income 11,249 11,348 8,098 Gains on trading and foreign exchange transactions, net - - 1,528 Losses on financial liabilities designated at fair value through profit or loss, net - - (22) Gains on financial instruments measured at fair value through profit or loss 1,480 1,726 - Gains on investments, net 182 678 1,956 Share of profit from investment using equity method 346 363 324 Other operating income 1,280 1,426 1,072 Total operating income 65,537 69,346 39,821 Other operating expenses Employee expenses 16,480 17,142 9,629 Directors' remuneration 74 66 48 Premises and equipment expenses 5,622 6,171 3,597 Taxes and duties 1,573 1,799 1,358 Others 7,470 6,999 6,042 Total other operating expenses 31,219 32,177 20,674 Profit from operations before expected credit loss, impairment loss on loans and debt securities and income tax 34,318 37,169 19,147 Impairment loss on loans and debt securities - - 10,337 Expected credit loss 21,514 24,831 - Profit from operations before income tax 12,804 12,338 8,810 Income tax 2,327 2,223 1,588 Profit for the year 10,477 10,115 7,222 233 Form 56-1 One Report 2021
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