Company’s businesses in the future. Management Discussion and Analysis Quarter 1/2018 Page 2/8 Jay Mart Public Company Limited 1. Finance and Personal Loans J FinTech Co., Ltd (“J FinTech”) has mainly engaged

team by appointing Miss Luo, Chia-Chu to be the Vice Director of Finance and Account to replace Mr. Zhang, Mingcha the Assistant Vice President of Finance and Account who has resigned due to personal

million cards, has grown by 1% more than last year. Credit Card receivable was 394,123 million baht, with the growth of 9% from the same period last year. For personal loan industry, the numbers of account

like to disclose the signing of Residential Lease Agreement with KPN Award Co., Ltd., (“KPNA”). This transaction is classified as the connected transaction with the following details: 1. The date of

qualification requirements of the Revenue Department are met. In any case, the total transferred sum is not entitled to annual personal income tax exemption. "The SEC encourages Thai people to get serious about

than last year. Credit Card receivable was 418,747 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under

rate translation, revenue from sales grew by 6.7% YoY at constant FX. The growth drivers lie in our core businesses, both domestic beverages and personal care with the growth of 6.6% and 10.7

358,413 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under supervision amounted to 13.7 million accounts, 6% more

from contraction of export sector as global consumer demand weakened. The tourism sector and private consumption grew at a slower pace. On the other hand, the personal loan of commercial banks and

, reaching 89.6% of GDP in the second quarter of 2024. This continues to pressure the growth of personal loans, particularly unsecured loans offered by both commercial banks and non-bank financial institutions