, which are all business that the Company has the experiences and expertise, and are truly the strength of the Nation Group. 7.2 The asset disposal will help reduce the debt burden of the Company, resulting

18.85 million mainly from the decrease of an unrealized gain from mark-to-market price of investment in listed equity securities and the gain on debt securities from the reduction the Company’s investment

baht provision for bad debt in Q3 last year whereas loss on exchange rate declined from 9.1 million baht to 5.3 million baht. …………./2 White Group Public Co., Ltd. Page 2 - Profit for the period decreased

third consecutive year. The bad debt portfolio under management by JMT showed it potential to growth its performance in future and will be a core contribution of the group of companies. Personal Loans

income. In addition, many GSTEL creditors are filing lawsuits against the company for debt repayment. IFA therefore views that it is unnecessary to extend the repayment period as the extension is

increase new target group of customers, higher personal expense for support sales growth as well as oversea business expansion. - Bad debt and Doubtful accounts The consolidated bad debts and doubtful

margin of 23.5 percent. The details on the performance of the companies in the group can be described as follows: Summary of Income Statement Q3/2018 Q3/2017 Change 9M/2018 9M/2017 Change MB MB % MB MB

Management Discussion and Analysis for the Year 2018 Business Overview Business overview of One to One Contacts Public Company Limited and its subsidiaries (“the Group”) for the year 2018 compared to

distressed debt equal to 1,235 million baht in the 1st half of 2019. The outstanding balance of purchased account receivable stood at 148,091 million baht which remark as a No.1 in distress debt under

allowance for doubtful accounts in accordance with the Company's accounting policies. Jay Mart Group has been growing and expanding the business which also effecting for the future growth as well as