) Steady growth in private consumption from stimulus packages and recovering agricultural product prices from production expansion and 4) Other supporting factors, such as government spending and other

can collect 97.2 baht, which another 2.8 baht shall be one overdue payment. 3. Revenue from write-off of NPLs (Write-back), is steadily increasing which JFintech developed a debt collection team and

of continuous expansion of Thailand’s economy. This is mainly driven by export sector, which enables to be well expanded including with gradual recovery of domestic economy significantly driven from

to increased sales of delivery (3) increased cost of branch staff, rental and utilities from branch expansion and (4) issuing discount promotions to draw traffic and create brand awareness. 4 Zen

Market (“TWSE”) and the offering of Over-allotment option by the Company for the purpose of supporting future business expansion domestically and internationally as well as for the purposes of overall

base expansion, a promotion campaign for new customers with 10-percent minimum payment, as well as marketing activities via KBank’s digital channels to promote spending across all categories as well as

profit of the 9 month of year 2019 earned of THB 34.7 MB and decrease from the dividend payment according to the resolution of the general meeting 1 / 2019 in the amount of THB 41.6 MB. The company plan to

December 2016 which was 1,358.96 Million Baht or 2.15% because of 1) the repayment of long term loan from financial institutions, and 2) dividend payment on 25 May 2017 amounting to 25 Million Baht (0.03125

travel expenses, share-based payment transaction, and stock destruction fee. During 9M17, administrative expenses were in the amount of Bath 107.14 million, an increase by Baht 17.76 million or 19.87% as

baht, which was 52.9 million baht or 64.1% higher than 2016. Most of increasing expenses were employee remuneration increased as a result of new business expansion and Café Shop, advertising expenses and