41 66 (38) Finance Cost 6 8 (25) Net Profit 51 38 34 (Unit : Million Baht) Financial statements in which the equity method is applied Q3/2018 Q3/2017 % Change Sales and Service income 462 514 (10) Cost

of Core Profit After Tax and NCI to Reported Net Profit 16 Table 6 Cash Flow Statement 16 Table 7 Debt Profile 17 Table 8 Joint Ventures Performance 17 Table 9 IVL Consolidated Statement of Income 18

expenses 32,700 28,362 13% Profit (loss) before income tax expense (2,358) 376 116% Income tax expense - 11 (100%) Profit (loss) for the years (2,358) 366 116% Other comprehensive income (loss) for the years

Development) million baht 6,976 7,319 6,599 Operating expenses to sales (%) 14.16% 15.61% 14.06% Operating profit margin (%) 11.31% 10.87% 13.23% Other income to total revenues (%) 2.22% 1.60% 2.20% Net profit

4,157 -6% 6% 13,141 12,192 -7% Profit before tax income 1,333 911 1,055 16% -21% 3,156 3,405 8% Income tax expenses 297 194 219 13% -26% 736 768 4% Net profit for the period 1,009 678 815 20% -19% 2,506

% (3%) (11%) (110%) 6,057 5,298 1,381 2 6,212 5,942 1,612 6 3% 12% 17% 148% Total Expenses 4,594 4,524 (2%) 12,739 13,773 8% Profit before tax income 1,082 881 (19%) 4,401 2,768 (31%) Income tax expenses

Others Profit and Loss Statement Unit : Million Baht Consolidated Separate 3Q23 3Q24 %YoY 9M23 9M24 %YoY 9M23 9M24 %YoY Credit card income Loan income Hire-purchase income Other income 1,989 2,411 249 755

income surged significantly, especially the 19% increase in bad debt recovery. However, this year the Company will focus on fee-based income expansion. Revenues Structure Profit and Loss Statement Unit

tax income 1,394 58% 4,950 4,161 (16%) 4,591 3,995 (13%) Income tax expenses 273 60% 996 824 (17%) 881 743 (16%) Net profit for the period 1,094 55% 3,815 3,259 (15%) 3,711 3,253 (12%) Earnings Per

reduce the risk of asset quality by being conservative in personal loans and hire purchase. Profit and Loss Statement Unit : Million Baht Consolidated 1Q/23 2Q/23 %LQ 1H/22 1H/22 %LY Credit card income