% Analysis of Financial Statement of Position As of 31 Dec 16 As of 31 Dec 17 Change MB % MB % MB % Cash and cash equivalents 111.0 2.7% 513.4 9.8% 402.4 362.4% Current portion of loans receivable from

% Asset from reinsurance 0 0.0% 120.8 1.4% 120.8 100.0% Current portion of loans receivable from purchase 498.7 9.5% 470.8 5.6% -27.9 -5.6% Other Current Assets 159.2 3.0% 1,024.4 12.2% 865.2 543.5% Current

date remained less than 1 year. 3. Long-term loans and financial lease liabilities (deducted current portion of long-term loans) decreased Baht 124.45 million due to the repayment of loans to financial

the Group was THB 98.56 million and 94.93 million in 9-month/ 2018 and 9-month/ 2017 respectively The Net profit margin were 15.7% and 17.9% respectively. The decreased portion was from more

revenues portion such as debt management business, consumer finance business and insurance business.   Management Discussion and Analysis, Q3/2018 Page 3/5 Jaymart Public Company Limited Selling and

that was compared with the same quarter of previous year which of the financial cost being equivalent to Baht 1.49 million. As the increase portion was divided to the interest under the financial lease

manage which is a portion with good gross margin. Administrative Expenses The Company had administrative expenses for the first quarter of 2020 equal to 154.8 million Baht, which was increase by 60.4

institutions 49.59 65.89 16.30 32.87 Trade and other account payables 17.23 15.41 (1.82) (10.56) Current portion of lease liabilities 4.16 4.22 0.06 1.44 Lease liabilities 5.61 4.53 (1.08) (19.25) Total

ในหน่ึงปี (Current portion) 538 204 หุ้นกูท่ี้ถึงก าหนดช าระภายในหน่ึงปี (Current portion) 127 136 เงินกูย้มืระยะยาว (Non-current portion) 3,568 1,434 หุ้นกู ้(Non-current portion) 1,973 2,091 เงนิสด

4,987.6 million as at the end of Q3/2018, as the Company has repaid debenture and some portion of the borrowings. 6. Finance Costs Unit: THB Million, % 42.5 48.1 50.5 128.2 138.5 Q3/18 Q2/19 Q3/19 9M/18 9M