Though staff costs increased by four per cent to $518.48 million, expected credit loss provisions fell by 40 per cent to $174.05 million as the company’s collection rates improved during the period. With total expenses lower by five per cent to $1.10 billion and taxation jumping to $99.21 million, net profit rose by 107 per cent to $264.74 million
https://www.jamaicaobserver.com/business-observer/access-cuts-expenses_242909