% Profit (Loss) before the effects of foreign exchange, deferred income tax, impairment and lease income 23,126 9,054 246 214 23,372 9,268 14,104 100% Loss from impairment (2,619) (352) - - (2,619) (352
improvement in loan spread from 4.6% in 2Q16 to 5.3% in 2Q17. % 2Q16 1H16 2016 1Q17 2Q17 1H17 Yield on loan 7.3 7.4 7.5 7.6 7.6 7.6 Cost of fund 2.7 2.7 2.5 2.4 2.3 2.3 Loan spread 4.6 4.7 4.9 5.2 5.3 5.3 Net
from the increase in yield on hire purchase loans from the higher portion of used cars mix in portfolio. Cost of fund dropped further yoy from 2.5% to 2.1% resulting in improvement in loan spread from
the new maturity date set for 15 June 2027; (7) Granting a partial interest payment for the bonds at a rate of 5.0 percent per year, with the remaining interest payments deferred from 15 June 2025
, with the remaining interest deferred from 15 June 2025. The deferred interest shall be payable on the maturity date or upon early redemption date, as applicable. (The interest rate was 7.75 percent
per year interest will be deferred, and the deferred interest will be calculated and paid on the new extended maturity dates or on the date of early redemption of the entire bond series
loan spread from 5.2% in 1Q17 to 4.9% in 1Q18. % 1Q17 2Q17 3Q17 4Q17 2017 1Q18 Yield on loan 7.6 7.6 7.7 7.4 7.5 7.2 Cost of fund 2.4 2.3 2.1 2.3 2.3 2.3 Loan spread 5.2 5.3 5.6 5.1 5.2 4.9 Net fees and
% resulting in declining loan spread from 5.2% in 1Q17 to 4.9% in 1Q18. % 1Q17 2Q17 3Q17 4Q17 2017 1Q18 Yield on loan 7.6 7.6 7.7 7.4 7.5 7.2 Cost of fund 2.4 2.3 2.1 2.3 2.3 2.3 Loan spread 5.2 5.3 5.6 5.1 5.2