herein. Further, nothing in this document should be construed as constituting legal, business, tax or financial advice. This material contains “forward-looking” statements that relate to future events

0.55 in 2017. The Company’ extends the tenor of debt profile longer by using debentures. Forward Looking The Company will pursue its strategy to grow its business further. In 2018, the target of

increasing. The Company’s liquidity ratio is 2.72 times in 2017 compared with 0.55 in 2017. The Company’ extends the tenor of debt profile longer by using debentures. Forward Looking The Company will pursue

Discussion and Analysis of FS2018 Page 5/5 JMT Network Services Public Company Limited Forward Looking The Company is still confident to growth of business further. The factors that have impact on its business

สิ้นปี 2561 โดยบริษัทมีอัตรำหน้ีสินต่อทุนรวม เท่ำกับ 1.61 เท่ำ และบริษัทมีอัตรำส่วนหน้ีสินท่ีมี ภำระดอกเบี้ยต่อทุน เท่ำกับ 1.34 เท่ำ มุมมองของผู้บริหำรต่อผลประกอบกำรในอนำคต (Forward Looking) บริษัทมีผล

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

Strategic Global Multi-Asset Fund (K-SGM) and K Global Risk-Enhanced Allocation Fund (K-GREAT).  Affluent KBank continued to focus on becoming our Customers’ Main Bank in this segment, in order to increase

2 and Stage 3, the standard requires ECL allowances based on lifetime expected losses. Moreover, ECL also incorporates forward-looking economic scenarios into loss allowances. For 1Q20, expected

requires ECL allowances based on lifetime expected losses. Moreover, ECL also incorporates forward-looking economic scenarios into loss allowances. For 1Q21, expected credit losses totaled Baht 1,234 million