) (99)% - Net interest (1,693) (2,140) (1,494) 21% (13)% Profit (loss) before tax (411) 690 2,614 - - Income tax expense (570) 145 442 - - Current tax expense/(income) 451 561 312 (20)% 45% Deferred tax

- net 4,744.9 4,337.7 407.2 9.4 Total assets 240,713.1 240,084.8 628.3 0.3 Loans to Customers As of 31 March 2021, loans to customers net of deferred revenue and modification gain or loss from the new

)% Income tax expense 145 507 103 (71)% 41% Current tax expense/(income) 561 439 179 28% 213% Deferred tax expense/(income) (417) 68 (77) (709)% (443)% Profit/(loss) for the period 546 (2,132) 3,733 126% (85

there was a deferred financing fee write-off from refinancing in May 2019. Gain (Loss) on Exchange Rate • A THB 202 million gain on exchange rate in Q2’2020 was from from balance of US dollar EPC

agreement, the bank will forgive the accrued interest that is deferred. 7. Other income decreased 17.20 million baht from the same period last year to 11.35 Million Baht or 39.75% due to In 2016, the

investment, land, building and equipment, goodwill, non-tangible assets, lease hold, deferred tax assets and other non- current assets. Note 3 Comprising income from rental fee received in advance, estimation

total loans 3.8% 3.9% 3.5% (0.1)% 0.3% Ratio of loan loss reserves to NPL 159.3% 160.2% 160.0% (0.9)% (0.7)% Total capital adequacy ratio 17.97% 18.17% 18.26% (0.20)% (0.29)% ** Less deferred revenue Bank

-tangible assets, lease hold, deferred tax assets, withholding tax and other non-current assets. Note 3 Comprising income from rental fee received in advance, estimation of staff benefits, deposit of rental

which was tax expenses Baht 8.77 million. It is increased by Baht 12.02 million from decreasing of profit and the reversal of allowance for doubtful accounts has no deferred tax assets in the previous

million as a result of impairment of investment.  Deferred tax assets decreased THB 47.44 million from THB 54.36 million as at December 31, 2018 to THB 6.92 million resulting from revision of assets to