business requires the Company recognize an allowance for expected credit losses on its financial assets and it is no longer necessary for a credit-impaired event to have occurred. 4. Income tax expense

) 240.76 Profit (loss) before finance costs and income tax (45,527) (42,234) (3,293) 7.80 Finance costs (8,723) (3,751) 4,972 (132.55) Profit (loss) before income tax (54,250) (45,985) (8,265) 17.97 Income

(0.20) (1.81) Profit before financing costs and income tax expense 33.25 13.97 94.97 21.19 52.70 30.55 105.11 23.10 (61.72) (64.99) Financing cost 5.07 2.13 2.16 0.48 11.91 6.90 7.55 1.66 2.91 134.72

baht which increased from the same period last year 1.75 million baht or 152.17% because the company had other income increase from the rent of tractor-trailer and container in total amount of

promoting of long-term investment for its members to reach the adequacy of future income after retirement. In recent times, SEC had been encouraging the PVD, which is an institutional investor, to

financial instruments 184 - - - 184 - 184 100% Profit (Loss) before the effects of foreign exchange, deferred income tax and lease income 2,990 2,567 33 (3) 3,023 2,564 459 18% Deferred income (expense) tax

impairment loss on loans, in line with our improved asset quality. Moreover, net interest income rose Baht 4,377 million or 4.65 percent, which was derived mainly from interest income from both loans and

52.30 57.67 (5.37) Earnings before interest and tax 59.91 37.76 22.15 Finance costs 32.05 21.85 10.20 Profit before income tax 27.85 15.91 11.95 Income tax expense 1.92 2.75 (0.83) Total comprehensive

59.9% Operating profit before tax 9,506 10,328 8,705 (8.0)% 9.2% 19,834 18,911 4.9% Income tax expenses 1,388 1,951 1,473 (28.9)% (5.8)% 3,339 3,301 1.2% Net profit 8,118 8,377 7,232 (3.1)% 12.3% 16,495

% Impairment loss of loans and debt securities 5,346 6,533 6,259 (18.2)% (14.6)% 19,200 17,753 8.2% Operating profit before tax 11,353 11,331 10,279 0.2% 10.4% 34,306 30,113 13.9% Income tax expenses 2,224 2,041