million or 6% year-on-year decrease. The revenues can be categorized as follows: Page 2 of 5    1. Restaurant business of THB 627.21 million At the year end of 2017, the Group operated restaurants under the

cost of 523 million baht, a decrease of 29 million baht or 5% from the same period last year. Key factors were well-managed funding cost and lower interest rate. However, finance cost in the first

and total portfolio and a strong growth of both domestic and overseas subsidiaries. In addition, the Company efficiently managed the selling, general and administrative expense and funding cost. 2

Company managed to effectively control finance expense by repayment of short-term borrowings which had high interest costs such as factoring and promissory notes. Baht Million 2017 2018

the Company managed to effectively control finance expense by repayment of short-term borrowings which had high interest costs such as factoring and promissory notes. - Translation - JKN GLOBAL MEDIA

February 28, 2018. This can be categorized by business type as follows: credit card receivable 36,497 million baht, increasing by 6% y-y; loans receivable 41,485 million baht, increasing by 4% y-y; hire

from our subsidiary, the Special Purpose Vehicle project (SPV) and well-managed funding cost. However, finance cost in the third quarter of 2018 accounted for 10%. The average funding cost decreased from

10.31425 billion THB, increasing 10.46% and 24.04% from 2018 respectively. The financial liquidity has efficiently been managed, therefore, the interest bearing debt to equity ratio and the debt to equity

debt recovery and total portfolio and a strong growth of both domestic and overseas subsidiaries. In addition, the Company efficiently managed the funding cost. 2. Financial Status Total Assets As of

representing 7% of total company customers. The Company and subsidiaries have managed liquidity risk of operating cash flow under the COVID-19 situation with soft loan facilities of 5 billion baht from