follows. 1. Net premium written for this year was 463.19 million baht, increased from last year by 199.63 million baht or 75.74%, due to the increase of gross premium written 141.11 million baht or 23.14

profit from underwriting decreased by 11.83 million Baht due to significant fact that earned premium and commission and brokerage income from reinsurers dropped by 4.3 million Baht. The ratio of net claim

, and eventually dropped. Premium on certain policies had been adjusted to suit their corresponding risks. Also, earned premium had risen by 16.45% Motor insurance contributed 75.29% to the company’s

quarter ending 31 March 2019 amounting to Baht 15.74 million, a decrease of Baht 21.47 million or 57.7%, although net earned premium and fee and commission income increased by Baht 20.4 million or 4.6%, due

million Baht as earned premium and commission and brokerage income from reinsurers increased by 4.66 million Baht. The ratio of net claim expense over earned premium over the same period last year moreover

this regard, such issuance and offering of debenture caused from the objective to prepare the source of fund for the business expansion in the future. 3. Profit for the period Unit: Million Baht

per annum. However such issuance and offering of debenture caused from the objective to prepare the source of fund for the business expansion in the future. 3. Profit for the period Unit: Million Baht

44.76 million baht from prior period. Due to an increased in short-term loan from financial institution in the amount of 50.00 million baht with an objective to pay dividend to shareholders in order to

. This was an objective of the business to expand revenues base in future. Moreover, the Company has more short-term investment and goodwill.   Management Discussion and Analysis, Q3/2018 Page5/5 JMT

. In this regard, such issuance and offering of debenture caused from the objective to prepare the source of fund for the business expansion in the future. 3. Profit for the period Unit: Million Baht