allowance for doubtful accounts in accordance with the Company's accounting policies. Jay Mart Group has been growing and expanding the business which also effecting for the future growth as well as

fiscal year of 2022 of 154 million baht, grew by 27.9% y-y. - Loans For the fiscal year 2022, loans shared 22% of total turnovers with the revenue of 10,385 million baht, accounting of 46% of total

., the subsidiary of the Company, and change in the accounting policy regarding the record of the land appraisal To: President The Stock Exchange of Thailand Attachment: Information Memorandum on the Asset

for mutual funds in general. Risk Level Low 1 2 3 4 5 6 7 8 High Highly risky Investing primarily in equities at an average of not less than 80% of NAV in an accounting period The mutual fund risk level

% 2.2 Accounting & Finance Outsourcing 19.18 3.7% 23.03 3.8% Total revenue from financial solutions 118.12 22.6% 103.80 16.9% 3. Other income1 8.12 1.6% 15.01 2.4% Total revenues 523.23 100.0% 613.86

past several years. Also, the change in accounting standards, which effective in 2020, affects the scheme of provision allowance for non-performing loans of financial institutions. However, it is

%. Nevertheless, in order to satisfy the Accounting Standards and maximize tax efficiency, the synthetic convertible loan structure consists of (1) grant of a loan at the amount of USD 50 million or equivalent to

results are in line with explanation of the operating results for the six-month period. However, there were few accounting items that occurred only during the three-month period such as; Selling expense

25% yoy, respectively. The substantial increase in 9M’18 was mainly from the accounting expense stemming from the revised down of social security income of 4Q’17 for amount of THB 10.7 million. Without

tax and changes in accounting policy of associates which resulted in a decrease in the shareholders’ equity by Baht 109 million. In addition, the Company paid an interim dividend of Baht 1,393 million