risks to be monitored going forward. An oversupply of condominium units in certain price ranges and areas, particularly condominium with price below THB 3mn, continued to increase, while the time taken

stood at 1.20 times while interest bearing debt to equity ratio was 1.00 times. Looking forward The Company’s performance in Q3/2018 confirms that the performance is still in line with the Company’s

Discussion and Analysis, Q3/2018 Page 4/5 Jaymart Public Company Limited Looking Forward The Company will focus on business operation to improve its performance and meet with business target. The business

-to-equity ratio of 2.97 times and the interest-bearing debt to equity ratio of 2.61 times. Forward Looking The Company's operation has been continuing to set goals for the sustainability of the

one-time tax loss carry forward incurred under our hardline segment in the year ended December 31, 2017. 10. Total adjustment to earnings, pre-tax was THB 3,072 million for the year ended December 31

Forward According to the outbreak of Covid 19 at the end of the first quarter of 2020, it was found that the company affected by the situation but was at a manageable level. However, the company anticipates

Operating Results 3.2. Cash Collection from NPLs and NPAs Management Businesses 3.3. NPLs by Portfolio Concentration 3.4. NPAs Concentration by Region by Type 4. Key Financial Ratios 5. Forward Looking

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

period financial statement by adjustment in brought-forward retained earnings as at January 1, 2020. Please be informed accordingly (Mr.Monthon Chatuwallopkul) Company Secretary

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