are normally drop in volume during holiday seasons and high SG&A, 2) an improvement on financing cost mainly attributable to debt refinancing, 3) lower interest expense from ABPIF and 4) relatively
) mainly from lower gross profit from residential for sale, higher administrative expenses, financing cost increased from additional interest-bearing debt following the acquisition of GLAND in September 2018
financing from financial institutions for its operation. Information from the Separate Financial Statements of the Company for the Year Ended December 31, 2014, 2015, and 2016; and for the Three-Month Period
Business) ธุรกิจผู้ให้บริกำรทำงกำร เงินและสินเชื่อครบวงจร (Banking Agent & Lending business) และธุรกิจส่งมอบสินค้ำและบริกำร (Distribution Platform Business) เพื่อ รองรับกำรพัฒนำธุรกิจและกำรขยำยธุรกิจใหม่ของ
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
lenders to conduct information-based lending wherein other reliable factors can be used for loan consideration and approval. Revise requirements for establishing credit limit of personal loan under
criteria for commercial lending policies, prioritizing risk assessment through prudent screening and close monitoring of borrowers, especially those in small and micro businesses. Moreover, we adjusted
ได้รับโอนกรรมสิทธิ์มาจากคู่สัญญา ตาม reverse repo หรือ securities lending หรือ derivatives) - รวมกันไม่เกิน 45% เฉลี่ยในรอบปีบัญชี เว้นแต่เป็น MF ที่มีอายุโครงการ < 1 ปี ให้เฉลี่ยตามรอบอายุกองทุน
grows not much because the company has been cautious in lending to potential customers to pay back. In terms of debt collection, J Fintech maintains a relatively good debt collection rate. By collecting
the industrial sector. While the household debt rate remained high, the Company, therefore, implemented a more stringent credit lending policy in this quarter and focus on specific customer groups to