year. In 2017, the Company achieved a remarkably success in distress debt management business. The Company achieved its record high in cash collection at 1,847 million Baht. Thanks to distress the

14,211 million Baht from last year. This would support the overall performance of the Company further in the future. In 2018, the Company was able to pursue a remarkably success in distress debt management

performance and Important Factors Affecting the Operations The 2019 performance for the debt management and collection business has been proven that JMT Network Services Public Company Limited ("JMT") is

Interest Coverage ratio (EBITDA / Financing Cost) which edged up to 91x as of 30 September 2017. Debt to Equity Ratio decreased to extremely low level due to repayment of debt owed to financial institutions

characteristics to other existing debt securities, except for their core objective of financing projects that contribute to environmental conservation and/or social development. These products therefore are not

funds that will help increase liquidity and allow debt issuers affected by the COVID-19 pandemic to continue their business operation (bridge financing). This in turn will increase liquidity and

debenture. As a result, the financing cost was reduced. As 30 September 2019, the Company debt to equity ratio (D/E) equal to 0.94 times. Page 3 Net Profit The Company net profit for the 9-month period ended

operating expenses to support the group’s business expansion was offset by the decrease in financing cost on lower borrowings and the debt recovery from the securities business receivable of Baht 16.06

200.41 15.10 271.24 9.96 194.55 14.50 77.01 38.43 Administrative expenses 88.77 3.28 51.79 3.90 88.57 3.25 50.95 3.80 36.98 71.40 Profit before financing costs and income tax expense 577.35 21.32 203.93

Selling expenses 70.44 15.72 41.15 11.90 67.31 14.79 39.74 11.38 29.29 71.18 Administrative expenses 11.06 2.47 10.36 3.00 10.91 2.40 10.31 2.95 0.70 6.76 Profit before financing costs and income tax