considering income and ability to repay. After adjusting, there was an increase of quality customers as well as the average credit limit per person raised since the first quarter of 2018. 1Q/2018 2Q/2018 3Q
decrease in finance cost was due to the ability to maintain low financial cost as well as the Company’s policy is to manage liquidity risk and interest rates fluctuation risk by mainly locking in long-term
times. This was due to the fact that net loans decreased while shareholder equity increased. The significant decrease of total debt to total equity ratio of the Company was due to the ability of revenue
debt to total equity ratio of the Company was due to the ability of revenue recognition from The Ritz-Carlton Residences, Bangkok (“RCR”) which is a part of MahaNakhon project. As a result, the Company
customer. 4.4 The ability to procure additional sources of capital. The Company already has adequate financial facility, therefore no need for additional capital. 4.5 The ability to repay debt and to follow
license under the regulatory sandbox shall be able to demonstrate the ability to proceed in accordance with such procedure and internal control system throughout the period of providing services as a
under the regulatory sandbox shall be able to demonstrate the ability to proceed in accordance with such procedure and internal control system throughout the period of providing services as a securities
) to categorize the service user; (c) to assess suitability for providing services to the service user; (d) to consider the ability of the service user to comply with the agreement for service provision
; (c) to assess suitability for providing services to the service user; (d) to consider the ability of the service user to comply with the agreement for service provision. The operation under Paragraph 1
control the quality and qualifications of the Management Discussion and Analysis (MD&A) for Q2/2019 Page 3/7 Jaymart Public Company Limited borrower by considering the ability to re-pay, which might cause