performance and Important Factors Affecting the Operations The 2019 performance for the debt management and collection business has been proven that JMT Network Services Public Company Limited ("JMT") is

% Sales 2,101.1 2,409.4 -12.8% 6,875.1 7,187.6 -4.3% Service income from debts collection and others 707.7 481.9 46.9% 1,881.6 1,335.2 40.9% Rental and service income 151.4 178.8 -15.3% 467.4 531.8 -12.1

short sale and the debt repayment ability of such person to be taken into consideration in granting approval for lending money for purchasing securities or lending securities for making a short sale to

right under the topic, “Expected Collection Rates” - None applicable items shall be specified as “Not Collected” - Other expenses contain individual items each not exceeding 0.01% of NAV - Conditions for

baht for the first quarter of 2019, representing 43.87 percent, which is a result of the ability to deliver the work that are postponed from the previous year to more customers and recognize revenue

and 3. Facilitating SMEs’ ability to access funding sources, which is an important factor for the continuity and strenuosity of SMEs business in the future. OSMEP believes that fundraising mechanism

small and micro businesses as well as retail customers, while the Bank also sought to acquire customers with stronger financial status and sound debt servicing ability. KBank has also 12 emphasized

amount of 32,566,290 baht or 31.82% from the lower business volume while income from Collection business improved 21,771,302 baht or equal to 42.24% from the increase of Collection business volume. 2

decreased from 1.24 times to 1.20 times for the third quarter of 2017 and decreased from 3.69 times to 3.49 times for the nine-month period of 2017 because the collection period increased a little from 73

change in status of associate to subsidiary and other income from the collection from receivables 5.43 million baht. Separate financial statements Revenues 1. Revenues from Sales 5.07 Million Baht increase