liabilities were increases in short term loan from financial institutions, trade and other payables and portion of long-term debt due in 1 year to fund the investment in aluminum can and bottling factories

opportunity to collect more debt. 2. Personal Loan Business (J Fintech) and hire purchase loan ( Singer) . It is an opportunity to use the technology of Fintech to develop. 3. Retail, rental space and coffee

Business J Fintech Company Limited operating personal loan business has been strict in granting loans as well as collect the debt to reach its target, resulting in a net profit in the last 9 months of the

: - Short term loans from financial institutions were 910.00 million Baht, increased by 827.00 million Baht from the end of the year 2016 because the company had drawdown additional short term loan for

to maintain its D/E ratio of not higher than 2 .0 times. For the long-term loan agreements, there is additional condition to maintain DSCR of not less than 1.1 times. Interest Bearing Debt total

requirement are loan receivable and financial assets which are debt instruments that are not measured at fair value through profit or loss, loan commitment and financial guarantee contract. The expected credit

million baht or 17. 01% . The increase was due to additional of borrowing to support hire purchase loan expansion and maintained the company interest spread. For the provision expenses for the fourth

end of year 2016 of 11.80 percent, a decrease in long-term loan and financial lease liabilities due within one year of 38.32 percent and a decrease in loan interest payment of 22.36 percent. (5) Debt

loan and financial lease liabilities due within one year of 51.17 percent and a decrease in loan interest payment of 29.81 percent. (5) Debt Obligation The Corporate Group has policy to mitigate risk

Ratchadham Line Project which the Company had recorded since the fourth quarter of the year 2017 where the income is equal to the interest expense from the long term loan for investing in the MRT Chalong