card were 7,490 million baht, showing an increase of 683 million baht or 10% y-y. This was the result of the Company has cooperated with many high-potential leading business partners to increased member

, due to loss in operation leading to decrease of shareholders’ equity more than interest-bearing debt recognition. Consolidated 2019 2018 Current Ratio (Times) 0.75 0.75 Interest-bearing Debt to Equity

the end of last year, due to loss in operation leading to decrease of shareholders’ equity more than interest-bearing debt recognition. Consolidated 2019 2018 Current Ratio (Times) 0.75 0.75 Interest

debt in amount of THB 12,183.7 million. Furthermore, the Company obtained additional loan from financial institutions for Project Crossroads Phase 1 development costs leading to the increase of IBD/E

. Business outlook The Company aspires to grow revenue and profit sustainably in the long- term with leading Multi-Format, Multi-Category Customer-Centric Omni-channel Platform. To achieve the target, the

its newly issued shares within Q2 2020/21. The remaining of 10.0% investment through the purchase of existing shares is expected to complete within Q3 2020/21. About VGI Vietnam VGI Vietnam is a leading

Orchid Plus Platinum Card and AEON Royal Orchid Plus World Mastercard customers when their spending reach specific amount and we also continued a joint promotion with leading department stores. Thus, the

The Company still emphasizes on strengthening the Boonterm kiosk business as well as leverages its leading position to the new opportunities, from the leader in the e-Payment service platform to the

–19, leading to the obstacles to our operations. Therefore, unbilled payables decreased when it compared to the Q4–2019. -5- Liabilities under financial arrangement agreements (Both the Current portion

Thailand. In addition, JFin Coin is aimed to trade on the leading international trading. Management Discussion and Analysis Quarter 1/2018 Page 4/8 Jay Mart Public Company Limited Financial Technology