26% of total turnovers with the revenue of 10,368 million baht, a decrease of 754 million baht or 7% y-y mainly from a reduction in interest rate ceiling for personal loan by 3%. In the fourth quarter

charge a fee of 1% p.a. from IRSL. The details of transaction are as follows: 1. Transaction date: Within 2020 http://www.indoramaventures.com/ 2 2. The parties involved: 2.1 Indorama Ventures Public

)  2018  (01/01/18  -31/12/18)  Accounting Type Consolidate Consolidate Consolidate Consolidate Interest Income 19,489.07 19,584.14 18,036.21 16,294.35 Interest Expense 3,788.43 4,904.95 5,719.96 5,032.72

Management Limited (the Company’s subsidiary). 1.3 Interest on margin loans The Company’s interest on margin loans in the third quarter of 2019 was Baht 37 million, similar to the third quarter of the previous

grow much, the income from the interest was at a level that could generate profit for the Company. In addition, J Fintech is still able to maintain a good debt collection rate, which the debt collection

. The portion of long-term borrowings was 41,838 million baht or represented 70% of total borrowings. To manage risk that might occur from the fluctuation in currency and interest rate of long-term a

central bank is likely to keep interest rates low for the foreseeable future. Economic indicators for June and the second quarter of this year suggested an expansion in private investment and consumption

service income 301.56 201.46 100.10 50% Gain from exchange rate Other income 1.65 1.21 0.44 36% Total revenues 303.21 202.67 100.54 50% Cost of sales and services 226.71 149.07 77.64 52% Gross profit 74.85

maturity date shall be clearly indicated; (2) the interest rate is fixed or floating rate according to the interest rates of the financial institution or at a particular interest rate; (3) the total

interest on loan of financial institutions ; (d) investments in securities, derivatives and other financial instruments; (e) receivables of securities purchased to order; (f) receivables of margin loan and