the NPL market shall continue to support JMT's growth in the future. 3. Personal Loan Business J Fintech Company Limited ("J Fintech"), engaging in the business of lending money under the brand "J Money
บุคคล (Personal Loan/ Nano Finance) และธุรกิจระบบรับช ำระเงินผ่ำนร้ำนค้ำสมำชิก โดยธุรกิจสินเชื่อรำยย่อยส่วนบุคคลจะ สำมำรถเริ่มด ำเนินกำรในไตรมำส 3 เมื่อด ำเนินกำรเรื่องใบอนุญำตกำรให้บริกำรสินเชื่อกับธนำ
เงื่อนไขของวิธีการดังกลาว เชน การคํ้าประกันโดยนิติบุคคล/บุคคลอื่น (Corporate/ Personal Guarantee) การวางหลักประกันไวเกินมูลคา (Over collateralization) หรือการต้ังบัญชีเงินสํารอง เปนตน 8. อายุตราสาร วัน
etc. This is to prevent exploitation of company benefit against the use for personal gains. 12.2 The company has a policy that a transaction must be approved by the person who has no personal interests
outstanding balance of dividend payment of 516.47 million THB which will be paid to the shareholders in April 2018. As a result of the above reasons, the interest bearing debt to equity ratio and the debt to
past collection history, aging profile of outstanding debts and the prevailing economic condition. The management believes that allowance for doubtful accounts is adequate in the current circumstances
was driven by the outstanding profit of the Company and its subsidiary. In addition, the significant improvement of return on equity was from the decrease of shareholders’ equity as mentioned above. For
with InsurTech platform. For the operation of debt management last year, the Company acquire distress debt amount 21,003 million Baht in term of outstanding balance of bad debt. The Company’s strategy is
customers are well known and have good reputation in the IC, and electronics industry. Provision is made of amounts outstanding over 90 days and amounts which the management believe may be doubtful. Accounts
outstanding debts and the prevailing economic condition. Management believed that allowance for doubtful accounts is adequate in the current circumstances. Inventories Unit: Million Baht Consolidated financial