operating profit before provision expense and income tax expense also decreased Baht 2,079 million, or 8.68 percent, over-quarter, due to a decrease of Baht 2,550 million or 6.28 percent in net income

increasing Baht 151 million or 1.40 percent over-quarter. Operating profit before provision expense and income tax expense also increased Baht 1,110 million, or 4.86 percent, over-quarter, due largely to an

packaging business is not less than 21 11.50%. If it is in line with the plan and projection, it is expected that the Company will generate operating profit for the year within 4 years after the expansion

% Impairment loss of loans and debt securities 7,322 4,617 5,806 58.6% 26.1% Operating profit before tax 11,621 11,038 10,328 5.3% 12.5% Income tax expenses 2,522 2,457 1,951 2.6% 29.3% Net profit 9,099 8,581

388 million or 8.5% from Baht 4,571 million as at 31 December 2018, mainly due to capital raised through IPO and the operating profit during 2019. 5,969 5,762 2,379 2,257 1,494 1,451 1,109 1,155 308 388

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

4,946 10.0% 26.5% 17,753 12,132 46.3% Operating profit before tax 10,279 9,506 9,912 8.1% 3.7% 30,113 28,823 4.5% Income tax expenses 2,037 1,388 1,786 46.8% 14.1% 5,376 5,087 5.7% Net profit 8,242 8,118

2017, the Company and subsidiary has total equity amounted to THB 13,341 million, increased THB 2,472 million or 22.75% from year 2016 due to the operating profit generate by the Company. Management’s

and debt securities 5,549 5,078 6,533 9.3% (15.1)% 10,627 13,854 (23.3)% Operating profit before tax 11,512 11,348 11,331 1.4% 1.6% 22,859 22,953 (0.4)% Income tax expenses 2,065 2,225 2,041 (7.2)% 1.2

7,322 5,688 (10.8)% 14.9% 13,854 11,494 20.5% Operating profit before tax 11,331 11,621 9,506 (2.5)% 19.2% 22,953 19,834 15.7% Income tax expenses 2,041 2,522 1,388 (19.1)% 47.0% 4,563 3,339 36.7% Net