mainly due to the proceeds from investment in short-term debt securities 250 million baht and net cash flows used in financing activities 4.5 Million Baht. Please be informed accordingly Sincerely yours

used in investing activities 130.9 Million baht from acquisition of investment in short – term debt securities 100 Million baht. And net cash flows used in financing activities 78.4 Million Baht from

the explanation and analysis of the Management for the 2nd quarter of 2020 ended 30 June 2020 as follows. 1. Income, gross profit, net profit Unit : Million Baht 1. Income 2020 2019 2018 Increase

consolidated financial statement, the Company booked a net loss amounting to Baht 16.36 million, representing an increase in a net loss of Baht 0.52 million or 3.25% from a net loss of Baht 15.84 million booked

0.20 1.12 Administrative expenses 25.54 16.00 9.54 59.63 Tax expense 2.91 7.51 (4.60) (61.25) Profit for the period 11.93 29.77 (17.84) (59.93) Net Profit - attributable to equity holders of the parent

Business J Fintech Company Limited operating personal loan business has been strict in granting loans as well as collect the debt to reach its target, resulting in a net profit in the last 9 months of the

- 2.19 -100% Adj. Previous Year SW Income 0.43 20.31 -98% EBITDA * 102.39 109.40 -6% % EBITDA * 26.1% 25.9% 0% Other Income 4.62 5.56 -17% Financing Cost 0.03 1.22 -98% Corporate Tax 16.11 12.28 31% Net

income Total Reven Discussion and Services Public /017 Manag Presid The St to JMT Net to certify th es for the th mpany’s au rmance of t ted financia 3rd quarter An increase of purchas Company’s iod last

the net trade debts of THB 1,136 million and some portion from the trade creditors agreed to reduce the accrued interests payable during the negotiation period before the completed debt-to-equity

debt is also low level, when comparing to the equity. Return on Equity (ROE) According to the Company’s financial statements, the Company had net income of 18.12 million baht, representing a return on