important business line and its trend were summarized as follows: 1. Personal Loans Business J Fintech Company Limited, operating a personal loan business, which its performance has been improved. Whereby in

22.01 million in 1Q18, with Net profit margin at 21.66% in 1Q19 improved from 15.38% in 1Q18. Details of the management discussion and analysis follow: Income Statements The Company reported Revenues from

Q1’19 market share of 27.9% increased by 290 bps QoQ, leaving 900 bps gap to the 2nd player. - Gross margin improved 270 bps YoY to 34.8% in Q1’19 mainly contributed by the performance of Fitness First

from Call Center business in the amount of 14,087,455 baht or 26.82% from the lower business volume while income from Collection business improved 12,558,610 baht or equal to 52.16% from the increase of

the area and the cost control methods had been improved. The company has the cost of sales in the amount 2.33 million baht, compared to the previous year 0.68 million baht, an increase of 1.65 million

2019, the project department has managed the project with more tightness and the cost control methods had been improved. The company has the cost of sales in the amount 2.73 million baht, compared to the

times in 2020 and 0.16 times in 2019, Which shows the company's liquidity outlook improved due to the fact that inventories are classified as current assets with very little liquidity. Therefore

. Thomas Frakes and company’s stamp Expected Benefits 1. Increased income from the expansion of distribution channels as well as improved service for existing customer base; and more credibility by switching

Call Center business in the amount of 7,280,576 baht or 35.01% from the lower business volume while income from Collection business improved 291,086 baht or 1.65% from the increase of Collection business

increased from 0.28% to 0.41% as compared to same period of previous year. The increased of net profit was mainly derived from an overall improved business management from during the period as compared