& ANALYSIS (MD&A) Q4 2019 and FY2019 Executive Summary On 26 November 2019, the company has received an award from SET Awards 2019 in two categories, which are the Sustainability Excellence Award in Rising
exhibit a slow growth, increasing 4.2% from last year. The number of Chinese tourists which made up 28% of total tourist arrivals recovered in the second half of the year with growth of 4.4% for total year
during 2Q19. The SET index at the end of 2Q19 closed at 1,730.34 points, also increasing by 5.6% from 1,638.65 points at the end of 1Q19. Overall Business Operations During 2Q19, the overall Bank’s loan
45,739 million in 1Q19 to Baht 53,799 million during 2Q19. The SET index at the end of 2Q19 closed at 1,730.34 points, also increasing by 5.6% from 1,638.65 points at the end of 1Q19. Overall Business
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
granting new credits. As of May 31, 2020, the Company’s total cards reached 9.01 million cards, increasing by 4% y-y (including 2.86 million credit cards and 6.15 million member cards). Covering networks
significantly transaction changes. 2. Cost of sale , Profit margin For Quarter 2 of the year 2020, the company had cost of sale of 98.72 million bath compare to 93.54 million baht last year with the increasing of
phones in overseas business, with the revenues of 531 million baht, increasing by 42 million baht or 9% y-y. In the second quarter of 2021, the Company had hire purchase revenue of 258 million baht
2018, the Company has cost of services at Baht 443.49 million which increased compared to the year 2017 by Baht 53.11 million or equivalent to 13.60% mainly due to increasing medical and other supplies