the NPL market shall continue to support JMT's growth in the future. 3. Personal Loan Business J Fintech Company Limited ("J Fintech"), engaging in the business of lending money under the brand "J Money

Front End Fee Amortization of Baht 240 million as a result of the adjustment of short-term loan repayment plan of Baht 74,000 million in October 2019. Executive Summary Q3/2019 Operating Highlights Baht

investment of 1,800 MB, and investment in Methyl Ester Plant II project of 560 MB. Cash Flows from Financing Activities was 2,400 MB, comprising of cash from IPO of 3,056 MB, repayment for short-term loan and

THB 740 million for Methyl Ester project plant 2; and 3) Cash Flow from financing activities of THB 2,264 million, composing of cash received from IPO, short-term loan and long-term loan repayment, and

Services (AHS), and offset by THB 42mn loss in other associates/JVs. Finance costs were THB 793mn, decrease 5.0% YoY or an amount of THB 42mn, as a result of loan repayment and prepayment, and partially

IFRS16 implementation (THB 112mn), partially offset by a loan repayment which benefit the Company in reducing the business costs. Net loss was THB 806.6mn and net profit margin was (40.5%) compared to

TFRS16 implementation (THB 106mn), partially offset by a net loan repayment which benefited the Company in reducing the interest costs. Net loss was THB 1,213.1mn and net profit margin was (230.8

"), a shareholder of the Company, that on 22 July 2020, Credit Suisse AG, Hong Kong Branch ("CS"), has returned to SPM SG 626,301,966 of shares in the Company, following the termination of the Stock

expenses equal to 636.7 million baht, 12.8 % increasing. This is due to the allowance of provision in distress debt management business and personal loan business. Finance Cost The company had total

loan. Total non-current assets was at Bt282,107mn, decreasing by -6.8% due to the amortization of spectrum licenses, PPE, and lower right-of-use assets. Total liabilities amounted to Bt239,284mn declined