operation of J Fintech Company Limited in the past affected by the coronavirus situation some in the collection of debt during Lock Down. However, under the accounting practice, Subject: Temporary relief

from the second quarter will drive a significant increase in medical service utilizations in the second half of the year as a result of patients’ anxiety relief since the situation of the COVID-19

travel restrictions which affect the number of both Thai and foreign tourists. In addition, purchasing power of consumers is thoroughly affected and this negatively impacts private consumption, although

but is at a manageable level and does not have a significant impact on the company as a holding company. The branch of Jaymart Mobile has started to sell after the government announced the relief of

customers with high purchasing power, DIY, Accessories, Smartphones, and Television. Notably, in 2022, the Company planned to sell a wide range of Apple products to reinforce its brand positioning and

in better debt collection performance, as well as the Bank of Thailand’s extension of relief measures, which allow a reduced minimum payment rate of 8% on credit cards for an additional year as well as

activities, impacted business owners and will likely result in more layoffs and lower household income. The ongoing drought also affected the purchasing power of households in the agricultural sector

engaged in import and export of equipment used for Electrical Power Systems including research and development to futher expand the investment in electrical engineering, electronic products and electrical

uncertain at this point. The Group is currently in process of providing assistance to the Group's customers based on the various relief measures and also assessing the subsequent impacts from the situation

repayment of the Financial Institution Development Fund (FIDF) from 0.46% per year to 0.23% per year according to the government’s relief measure during the year 2020-2021. While net interest margin (NIM