express and did not express opinion on such financial statements indicating that the records of allowances for possible losses on collection of short-term loan to subsidiary and trade accounts receivables

.  Cash Collection was 815 million Baht, increased 15.0 from the same period last year. This was slightly decline from Q4/2019 at 5.2% which usually is the highest season for cash collection. Summary of

/2018 4Q/2018 Average credit limit of customer (Baht) 28,302 33,335 57,787 43,169 2. Effective debt collection, the Company has expedited to collect the principal debt to enhance its collecting amount

debts collection and others 481.9 617.1 135.2 28.0% 853.4 1,173.9 321 37.6% Rental and service income 177.1 155.1 -22.0 -12.4% 353.0 316.0 -37 -10.5% Insurance income - 32.6 32.6 100.0% - 32.6 32.6 100.0

the mechanism for supervising the service industry related to electronic transactions has been streamlined for enhanced clarity and in alignment with digital development for the economy and society

. However, tax collection under the Act will commence on January 1, 2020. One significant change under the Act is that local administrative organizations are now authorized to collect the land and building

performance and Important Factors Affecting the Operations The 2019 performance for the debt management and collection business has been proven that JMT Network Services Public Company Limited ("JMT") is

% Sales 2,101.1 2,409.4 -12.8% 6,875.1 7,187.6 -4.3% Service income from debts collection and others 707.7 481.9 46.9% 1,881.6 1,335.2 40.9% Rental and service income 151.4 178.8 -15.3% 467.4 531.8 -12.1

alignment with the UN Sustainable Development Goals (SDGs). During the meeting, the SEC’s key action plans were discussed, which included the introduction of innovative financial tools to promote

Bond Markets.” She presented the development of sustainability-themed bonds and a national taxonomy that emphasized the alignment with the international standard. She also emphasized the importance