-to-equity ratio of 2.97 times and the interest-bearing debt to equity ratio of 2.61 times. Forward Looking The Company's operation has been continuing to set goals for the sustainability of the

March 2020 amount 2,000 million baht for the bad debt acquisition in the year of 2020. Management Discussion and Analysis, Q1/2020 Page 4/4 JMT Network Services Public Company Limited Management Looking

offer or invitation to purchase or subscribe for shares in Singha Estate. Some statements made in this material are forward‐looking statements. These statements typically contain words such as "expects

baht, which will be an important source of income for the company in the future. Economic and industry overview and Forward Looking In the past Q2/2020 , it was acknowledged that the government of

contribution of the Engineering division experienced a peak 16mTHB EBITDA contribution. Looking forward in Q2 2018 with the contribution of the 7 kilns operating in Golden Lime and 2 more in the fully

who signed a 10-year rental contract. Nevertheless, we are looking forward to the Unicorn (a mixed-used building that has 22,499 sqm office space) opening in 2022, our additional revenue source for

quarter of 2020 with probable forward looking risk factors due to COVID-19 situation. For the 3rd quarter of 2020, the Company had consolidated operating income of 1,333 million baht, an increase of 49

Operating Results 3.2. Cash Collection from NPLs and NPAs Management Businesses 3.3. NPLs by Portfolio Concentration 3.4. NPAs Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking

Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking Statements 5.1. BAM’s Business Opportunity 5.2. COVID-19 Impact IMPORTANT DISCLAIMER The information contained in this document has been

investing activities of Baht 19 million. 6. Forward Looking The Company expects that this year it will be able to achieve sales growth of c.5%, which is lower than its original projection of 10-15%. We