1.2 Nature of Business 1.2.1 Income structure Income structure of the Bank and its subsidiaries consist of interest income, fees and service income and other operating income. Details are in the following income structure table for the years ended December 31, 2019-2021: Income structure For the year ended December 31, 2021 % 2020* % 2019 % Interest income 64,239 77.7 72,320 78.1 39,837 71.1 Interbank and money market items 1,060 1.3 1,922 2.1 1,965 3.5 Investments and trading transactions 66 0.1 109 0.1 131 0.2 Investments in debt securities 1,247 1.5 1,920 2.1 1,555 2.8 Loans to customers 39,827 48.1 45,633 49.3 34,334 61.3 Hire purchase and finance leases 22,034 26.7 22,734 24.5 1,822 3.2 Others 5 - 2 - 30 0.1 Fees and service income 15,190 18.4 16,139 17.4 11,343 20.2 Gains on trading and foreign - - - - 1,528 2.7 exchange transactions, net Losses on financial liabilities designated - - - - (22) - at fair value through profit or loss, net Gains on financial instruments measured 1,480 1.8 1,726 1.9 - - at fair value through profit or loss Gains on investments, net 182 0.2 678 0.7 1,956 3.5 Share of profit from investment using equity method 346 0.4 363 0.4 324 0.6 Other operating income 1,280 1.5 1,426 1.5 1,072 1.9 Total income 82,717 100.0 92,652 100.0 56,038 100.0 (Unit: THBmillion) Note: * Certain accounts in the 2020 financial statement have been reclassified to conform to the presentation in the 2021 financial statements. 57 Form 56-1 One Report 2021
RkJQdWJsaXNoZXIy ODEyMzQ3