apparent during the second half of 2019. Meanwhile, close attention should be paid to home loan business after the Bank of Thailand’s new measures for mortgage loan supervision came into force at the

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

regulatory changes, especially new mortgage measures which will come into force in April 2019, implementation of the Basel III capital requirements, and preparations for International Financial Reporting

(Unofficial Translation) Readers should be aware that only the original Thai text has legal force, and that this English translation is strictly for reference. 2 Notification of the Securities and

(Unofficial Translation) Readers should be aware that only the original Thai text has legal force, and that this English translation is strictly for reference. Notification of the Securities and

(Unofficial Translation) Readers should be aware that only the original Thai text has legal force, and that this English translation is strictly for reference. Notification of the Securities and

Instruments which came into force on January 1, 2020. Nonetheless, net interest income and net interest margin (NIM) rose over-quarter due to loan growth and the TFRS9 revenue recognition concept in which

Translation (Unofficial Translation) PAGE (Unofficial Translation) Page 32 of 32 Readers should be aware that only the original Thai text has legal force and that this English translation is strictly

Microsoft Word - OrKhorNor5-2549F.doc (Unofficial Translation) Readers should be aware that only the original Thai text has legal force and that this English translation is strictly for reference

approved due to the fact that the transaction has appropriate return at acceptable risk. Page 2 of 2 Please be notified accordingly. Yours truly, - Signature - (Mr. Surin Tanticharoenkiat) Company Secretary