57.26 Fees and service expenses 128.91 37.21 128.89 37.23 Finance costs 14.82 (0.07) 14.82 (0.07) Expected credit losses (reversal) 10.02 10.07 10.02 10.07 Other expenses 219.07 14.19 238.49 12.27 Total

six month of 2019 which had amount of Baht 358.11 million by increasing 109.42 million or 30.55%, cause by the Company had continuously in credit providing which resulted to the increase in finance cost

434.76 340.81 28 Total Expenses (406.40) (336.74) 20.69 Finance Costs (4.24) (4..62) (8.23) Profit before Income Tax Expenses 24.43 1.48 1,551 Income Tax Expensed (6.77) (0.59) 1,047 Net Profit 17.66 0.89

services 0.00 4.22 -4.22 -100.00 Allowance for impairment in associcate 0.00 80.74 -80.74 -100.00 Administrative expenses 24.13 22.44 1.69 7.54 Finance cost 3.14 6.12 -2.98 -48.63 67.48 147.40 -79.92 -54.22

expenses 690.1 107.2% 567.9 93.8% -122.2 -17.7% Profit (loss) from operating activities -46.4 -7.2% 37.3 6.2% 83.6 - Finance costs 10.9 1.7% 7.0 1.2% 3.9 -35.6% Share of loss of associate accounted for using

President Accounting and Finance Authorized Persons to Disclose Information

31.84 Finance costs 7.46 0.38 7.46 0.38 Expected credit losses (reversal) 8.19 8.19 8.19 8.19 Other expenses 115.56 11.50 126.35 11.66 Total expenses 415.63 73.80 409.91 66.88 Profit (loss) before income

% Other income 0.93 1.69 81.72% Earnings before interest and taxes 71.45 49.12 -31.25% Finance costs (0.50) (0.56) 12.00% Profit before income tax expense 70.95 48.56 -31.56% Income tax expense (3.28) (1.25

accordingly. Yours Sincerely, ( Kamtorn Sila-On ) President - Production and Finance S & P Syndicate Public Company Limited

36.30 65.85 (7.76) (21.38) Profit before finance cost and income tax expenses 28.42 49.89 18.82 34.15 9.59 50.96 Finance cost 2.81 4.94 3.57 6.48 (0.76) (21.25) Profit before income tax expenses 25.61