, overall loan growth is expected to slow due to a Thai economic recovery that is forecast to remain weak. This could impact the potential of certain groups of borrowers, especially SMEs and retail customers

consumption and investment. The slower growth is expected to continue in 3Q19 since the external factors remain unsolved. Although private consumption was supported by sales promotion and government measures

Management Discussion and Analysis Q2/2020 Page 1/6 JMT Management Discussion and Analysis Q2/2020 Synergy Technology Growth Management Discussion and Analysis Q2/2020 Page 2/6 IR63/016 13 August

to the growth in sales of dessert cafés due to same-store sales growth, corresponding to the increase in the number of dine-in customers and higher sales per bill, as well as the increase in After You

IN A N C IA L P E R F O R M A N C E F U T U R E O U T LO O K Key Highlights 2 Q3/2019 9M/2019  The Company reported net profit in 9M/2019 of Baht 455.4 million, representing an impressive growth of

, Qatar, Bahrain and Thailand. In addition, the Company also launched a new hotel brand "ASAI” to penetrate the strong potential growth of millennials market and expanded the Company's hospitality spectrum

operating lease in prominent locations (ii) growth of rental revenue together with increase in efficiency, (iii) development of high potential properties with innovative and creative value-added concept and

years since the Company was established” Nature of Business: Jmart is Holding Company engages in retail business with Core Company is Jaymart Mobile and investing in other potential subsidiaries such as

and outpace the industry growth – Driven by rising demand from pandemic, home broadband aims to expand coverage around outskirt area of key cities with high potential growth and leverage mobile

categories, boosting manufacturing production. Private investment indicators also signified growth, particularly in machinery and equipment. Nevertheless, public spending declined mainly from the contraction