(2,326) (5,146) -54.80 Deferred Tax: -Tax income(expense) movement in temporary differences (1,830) 374 -589.30 Tax income (expense) recognized in profit or loss (4,156) (4,772) -12.91 5. Commitments and

, loan commitments, and financial guarantee contracts. In the second quarter of 2020, expected credit losses amounted to Baht 13,238 million, increasing from Baht 5,087 million in the first quarter of 2020

mainly to an increase in net fees and service income, with contributions from loan-related fees, bancassurance and mutual funds as well as fee income from underwriting commitments, while gains on

import bills 19,122 19,041 15,307 0.4% 24.9% Letters of credit 38,166 35,822 34,226 6.5% 11.5% Other commitments Underwriting commitments - - 1,199 - (100.0)% Amount of unused bank overdrafts 171,623

35,623 (11.4)% (11.9)% Other commitments Underwriting commitments - 1,950 - (100.0)% - Amount of unused bank overdrafts 173,133 175,078 175,893 (1.1)% (1.6)% Other guarantees 264,894 272,948 267,989 (3.0

commitments Underwriting commitments 3,820 - - 100.0% 100.0% Amount of unused bank overdrafts 176,188 173,133 175,893 1.8% 0.2% Other guarantees 263,485 264,894 267,989 (0.5)% (1.7)% Others 97,230 113,033

19,650 20,445 34.0% 28.8% Liability under unmatured import bills 17,681 15,307 16,394 15.5% 7.9% Letters of credit 35,857 34,226 31,803 4.8% 12.7% Other commitments Underwriting commitments 249 1,199 1,098

)% Other commitments Underwriting commitments 324 149 - 117.4% 100.0% Amount of unused bank overdrafts 167,906 170,491 170,329 (1.5)% (1.4)% Other guarantees 261,309 265,071 270,320 (1.4)% (3.3)% Others

for shareholders. As of December 31, 2016, debt to equity ratio of the Company Group and the Company were 0.2 : 1 (255 = 0.27: 1) and 0.2 : 1 (255 = 0.2 :1), respectively. Commitments Liabilities As of

loan commitments and financial guarantee contracts. Recognition of allowance for doubtful accounts uses expected credit loss model. As a result of this, the allowance for doubtful accounts is recognized