already been partially delivered and recognized the project accomplishment. The change in cost of sales, services and construction contract of Q4-2016 decreased in line with the rate of change in the
important business line and its trend were summarized as follows: 1. Personal Loans Business J Fintech Company Limited, operating a personal loan business, which its performance has been improved. Whereby in
team in line with increase in operation >> Increase in professional fee from Financial Advisor engagement in accordance to submission of filing >> Allowance for doubtful debt reversal from major customer
landlord. 2. Research and develop of new products for New Normal: focus on research and development of Take-away and To Go products as well as develop appropriate packaging to be in line with the new
total operating expenses in Q1–2020, it decreased in line with the decreased in revenue. Comparing Q4–2019 showed that the total operating expenses in Q1–2020 have a similar decrease rate. This is because
slower rate consistent with economic slowdown. Personal loans still expanded. Meanwhile, loans to business contracted. Commercial banks were tighter in extending loans in line with economic conditions as
the year, it was in line with the recovery of the overall global demand. Tourism also showed continuous growth with the number of foreign visitor arrivals for the first 11 months of 2017 totaling 31.8