under the J Fintech Co., Ltd., J Ventures Co., Ltd operates the technology business and FinTech that supports future technology disruptions as well as an associated company which operates the electrical

Page 7 of 7 term corresponds well with future commercial uses. Our strong financial position supports us in this important strategic execution, after which we maintain full financial flexibility to

Thailand and the Health Ministry of Thailand for recreational and tourist spot. The group also supports the government policy by joining the campaign “We Travel Together” which aiming to promote the “New

, RISK MANAGEMENT, AND EMPLOYEE TRAINING 4.1 the CRA establishes, maintains, documents, and enforces a code of conduct that gives full effect to the IOSCO Code of Conduct Fundamentals for Credit Rating

responsible team, who will take action promptly in accordance with the government policy. For our employees, their health and safety is always our top priority. B.Grimm fully supports them to overcome this

decline in consumption of Construction Sectors, as well as Steel Sectors. However, the Company still maintains the operation at 15 hours per day in order to keep production capacity at high level and, at

26.5% YoY. For 2018/19 as a whole, the Company maintains its revenue target in the range of THB 4,400mn to THB 4,600mn and expects the net profit margin of 20 – 25%. ………………………………….. Chitkasem Moo-Ming

grows not much because the company has been cautious in lending to potential customers to pay back. In terms of debt collection, J Fintech maintains a relatively good debt collection rate. By collecting

maintains a policy to manage the inventories’ optimization efficiently which can be classified by product groups as follows; ▪ In 2020, the Biodiesel’s ratio of cost of sales to total revenue was decreased

lockdown measures. In addition, the Company maintains management overlay in the amount of 1,378 million baht for a hedge with probable forward looking macroeconomics factors and the new wave of COVID-19