follows: THB’000 Consolidated F/S ∆% Separate F/S ∆% 2018 2017 2018 2017 Revenues from Sales and Services 2,060,114 2,473,795 -17% 1,640,996 1,631,566 1% Interest income 2,302 1,045 120% 679 36,148 -98

revenues. The ability to maintain low financial cost due to the replacement long term loan with lower rate as well as the Company’s policy to manage liquidity risk and interest rates fluctuation risk by

21.3% 182.02 22.8% 4.5% 1.3% Bank Charge (6.30) -0.8% (3.16) -0.4% (3.35) -0.4% 6.0% -46.8% Interest Expenses (10.64) -1.3% (10.37) -1.3% (8.99) -1.1% -13.3% -15.5% Profit before income tax expenses

Management service income 56.03 59.50 (3.47) (5.8) Interest income and dividend income 55.28 32.09 23.19 72.3 Other incomes 41.89 20.49 21.40 104.4 Total revenues 4,043.99 3,440.35 603.64 17.5 Cost of sales

expenses 187.63 22.1% 182.02 22.8% 176.32 21.9% -3.1% -6.0% Bank Charge (5.09) -0.6% (3.35) -0.4% (2.36) -0.3% -29.6% -53.6% Interest Expenses (11.56) -1.4% (8.99) -1.1% (8.78) -1.1% -2.3% -24.1% Profit

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

baht or 0.54 percent of total revenues due to revenue from sales of scrap on raw material of 0.09 million baht, rental income from related company of 0.60 million baht, interest receive of 0.49 million

material of 0.09 million baht, rental income from related company of 0.60 million baht, interest 3 receive of 0.49 million baht, interest receive from related company of 0.13 million baht and others of 0.13

EBITDA of THB 2,992 million. Performance softened partly as in Q1/2017 and Q4/2017 recorded several non-recurring items, such as interest income from income tax return, gain from selling of asset, and

10 years and a maturity date in 2028, and bear a fixed interest rate of 4.50 percent per annum. Payment under the notes is guaranteed by the Company. The net proceeds from the issue of the new notes