allowance for doubtful accounts in accordance with the Company's accounting policies. Jay Mart Group has been growing and expanding the business which also effecting for the future growth as well as

revenue from bad debt recovery continued growing by 18% y-y and the revenue from overseas subsidiaries grew by 10% y-y. Details of each business can be described as follows: Profit and Loss Statement

be consistent with consumer’s behavior. Moreover, our revenue from bad debt recovery continued growing by 31% y-y. Details of each business can be described as follows: Profit and Loss Statement

cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of

of quality products into the market. However, investor concerns about the credibility of green labelling are also growing. standards, assurance & certification will be essential to improve confidence

, 2021 Market risk: identified changing customer behaviour towards low-carbon products, and reduced demand for higher carbon products and services. Reputation risk: identified growing expectation from

, though growing. There are a number of international investors active in the region, while they are diverse in their investment strategies and their level of engagement. A number of the recent policy

interruption loss of profit 2 As per internal classification and includes depreciation and amortization expenses 3 As per internal classification and includes gain on bargain purchase on new acquisitions and

with the growth for the passenger car segment and the commercial vehicle segment growing at 21.9% and 6.3% respectively. The Bank in-house research projected the new car sales for the year 2018 to be

% yoy with the growth for the passenger car segment and the commercial vehicle segment growing at 17.8% and 8.7% respectively. The Bank in-house research projected the new car sales for the year 2018 to