SET Opportunity Day Q2/2019 JMART Group...2019/08/22 · • Award Winning for Debt Collection...

1

SET Opportunity Day Q2/2019

JMART Group

2

Disclaimers

The information contained herein is intended to represent the Company’s operating and financial position at a given point in time and may also contain forward looking information which only reflects

expectations based on the prevailing geo-political, economic and non-controllable factors. Such

information has been obtained from sources believed to be most reliable and the means in analyzing

and preparation of such information for disclosure are based on approve practices and principles in

the investment industry. The views are based on assumption subject to various risks and uncertainties

and no assurance is made as to whether such future events will occur. No assurance is made as to the

accuracy or completeness of information presented in this document.

2 Jaymart Public Company Limited

https://www.facebook.com/groups/JMART.JMT/

Jaymart Group Group of Companies

Debt Collection and

Management

55.8%

Personal Loan Property Development

74.9%

Home and Commercial

Appliance

30.3% Listed Listed Listed

Listed

95.6% 99.9%

Mobile Business

80.0%

Fintech & Start-up

99.9% 99.9%

9.8% 0.3%

60.0% 55.0%

18.9% 3.1%

3 3 Jaymart Public Company Limited 3

2.0% 0.6%

Update as of 15 Aug 2019

https://www.google.co.th/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwjJk8uX6MHTAhXBtI8KHbE9APEQjRwIBw&url=https://www.marketingoops.com/news/ecommerce/t2p-deeppocket-e-wallet/&psig=AFQjCNEjmg67umfZPw75fQb3980MYM4HBw&ust=1493285506206882

https://www.google.co.th/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=0ahUKEwi8i4H707nUAhWJOI8KHdhjBmcQjRwIBw&url=https://www.zanroo.in.th/portfolio_page/clash-mayhem-tv/&psig=AFQjCNE9e8NZgt8Lo06HEl6-VQ3wSHlwCQ&ust=1497403249923228

https://www.google.com/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=2ahUKEwiA4eLyxtHdAhVMqo8KHRQNCqMQjRx6BAgBEAU&url=https://www.mfec.co.th/&psig=AOvVaw0gWExanMnwbUkomyQsLct0&ust=1537806715802820

4 4

03

AIS partnership and recover

business

118 MB Q1/2019

Expected to be positive in

Q1/2019 onward.

Fully amortized bad debt

portfolio

DDLP expect to

commercialize and

realized revenues Capital increase to enhance

C4C business

137 MB Q2/2019

Q3/2019

Q4/2019 Capital increase for new business expansion

Continue improve in earning

Highest cash collection with significant fully amortized

portfolio

Highest season for

mobile phone business

Jaymart Group Forward Looking 2019

C4C portfolio expand

Fully amortized bad debt

portfolio continue to grow

revenues base

Transfer Newera

Condominium

4

Jaymart Group A Road to All Time High in 2019

Fully Amortized

Portfolio

JMT

C4C portfolio

expansion will

increase interest

earning

Singer

Newera Condo

start transfer in

Q4/2019

JAS Asset

New Flagship and High

Season

Jaymart Mobile

Q3/19

Q3/19 Q4/19

Q4/19

6

Jaymart Group Investment Valuation: Sum of the Parts (SOTPs)

Listed Co. holding

Value = 10,726 M.THB

or 14.61 THB/Share

Non-listed Co. holding

Value = 3,800 M.THB +

Valuation

GAP

Fully

Amortized

Portfolio

C4C

Portfolio

Expansion

Condo +

New Project

AIS partner +

5G trend

Lending

Portfolio

Diversified

Fintech +

Tokenomic

Key

Drivers

16,517

3,112

754 2,000

1,200 600

8,930

0

2,000

4,000

6,000

8,000

10,000

12,000

14,000

16,000

18,000

JMT Singer J JMB JFintech JVC JMART

9,218

(55.8%)

943

(30.3%)

565

(74.9%)

14,526 M.THB

JMART SOTPs

Update as of 20 Aug 2019

Jaymart Group Group Retail Finance Overview

3rd Year of Record

High in Performance

Turn Around Business Turn Around Business New Opportunity and

Synergy

7

8

Jaymart Group Group Digitalized Finance Business

1

2

3

4

5

6

7

Data

Distribution

Channel

Collection

InsurTech

Technology

Synergy

CRM

Combine Jaymart Competitive Edge in Fintech World

8

http://www.google.com/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=2ahUKEwjaprmImI_kAhWT4nMBHS1lDRUQjRx6BAgBEAQ&url=/url?sa%3Di%26rct%3Dj%26q%3D%26esrc%3Ds%26source%3Dimages%26cd%3D%26ved%3D2ahUKEwjE5afZl4_kAhU1_XMBHd63CDIQjRx6BAgBEAQ%26url%3Dhttps://apps.apple.com/th/app/j-money/id1260307004?l%3Dth%26psig%3DAOvVaw3flpG59H1JZNv5qI3B1UA9%26ust%3D1566312710821913&psig=AOvVaw3flpG59H1JZNv5qI3B1UA9&ust=1566312710821913

https://www.google.com/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&ved=2ahUKEwiBh96imI_kAhWg6nMBHXTJAhUQjRx6BAgBEAQ&url=https://apps.apple.com/tr/app/enjoy-card/id1445136180&psig=AOvVaw0STrlSyfd1nyPWutXbHLc2&ust=1566312858675849

Jaymart Public Company Limited 9

Mobile Distribution Business


Mobile Business 1H/2019 Revenues Breakdown

By Products: Mobile, Camera and Accessories By Distribution: Type: Retail VS Wholesale

16% 84%

Wholesale

Retial

95%

1%

3% 1%

Mobile

Camera

Accessories

Other


Mobile Business Shop Coverage

Jaymart 140

Smartphone 13

Brand Shop 29

AIS 9

Total 191

Shops Breakdown

73%

7%

15%

5%

Smartphone

Jaymart Brand Shop

AIS Shop


Mobile Business 1H/2019 Mobile Update

Mobile Unit Sold in 1H/2019 Mobile Business Value Sold in 1H/2019

Unit: Million Unit: ‘000

1,217

1,070

555 443

2017 2018 1H/2018 1H/2019

10,584

9,453

4,498

3,339

2017 2018 1H/2018 1H/2019


Mobile Business 1H/2019 Gross Margin and ASP

Gross Margin Average Selling Price

Unit: Bath

8,199

5,273

7,328

8,318 7,606 7,537

Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19

15% 16%

13%

7%

16%

20%

Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19


Mobile Business Brand Portfolio Mixed

48%

12%

35%

5%

Samsung

iPhone

Chinease Brand

Other

1H/2018 1H/2019

46%

15%

33%

6%

41%

12%

45%

2%


Mobile Business Exclusive Partnership: SIM Subscriber

Boost up subscriber at Jaymart

Shop and group of companies

AIS Sim Subscriber Performance

9,066

11,231

15,959

13,789 14,645 14,342

12,978

15,911 17,026

Oct-18 Nob-18 Dec-18 Jan-19 Feb-19 Mar-19 Apr-19 May-19 Jun-19

Increasing Trend in SIM Subscriber


Mobile Business Forward Looking in 2019

2,006

1,329

1,087

2017 2018 1H/2019

Inventory Control Margin Control

Unit: Million Monitor Average Margin > 15% + More

Accessories Sale

15% 16%

13%

7%

16%

20%

Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19

Inventory Day 65 Days


Mobile Business Forward Looking in 2019

30th Years of Jmart Campaign Phase II +

New Flagship Release in Q3-Q4/2019 Event in Shop Activities / ioT Shop

Jaymart Public Company Limited

2G Phase 3G Phase 4G Phase

• Feature Phone

• 64 kbps

• Voice and text

• Smart Phone

• 2,000 kbps (or 2 Mbps)

• Voice, text and multimedia

• Smart Phone

• 100 Mbps

• Data transmission

• IP Based Protocol (LTE)

4.94 5.36

7.36

8.99 8.08 8.35

9.52 10.58

9.45

2010 2011 2012 2013 2014 2015 2016 2017 2018

Unit: B.THB

5G Phase

2020

18

Mobile Business Forward Looking 5G Phase

10.X

“Jaymart Mobile ‘s Phone Sale will increase as technology platform change”

• Internet of things

• 20 Gbps

https://www.google.com/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=&url=https://en.softonic.com/articles/4-of-the-most-affordable-iot-devices&psig=AOvVaw31aNt02n87Ike_uFX3tAfs&ust=1566369632662110

19

Debt Collection and Management

JMT Network Services Public Company Limited

*Market Cap between 10,000 – 30,000 M.THB

SET Awards 2018

Best Company Performance Award Nomination 2018*

20

JMT Network Services Best in Class in Collection Business

Debt Collection Business Debt Acquisition Business Insurance Business

Business

and Clients

Market

Positions

Strength

• No.1 in debt collection • No.1 in unsecured non-performing

debt management

• Proven tracking record and

experienced more than 20 years

• Data base system over 3 million

account all nationwide

• Award Winning for Debt Collection

Services

• IT and data base system

• Well training staff

• Connect through synergy channel of

Jaymart Group of Companies

• InsurTech / Synergy

Revenues

Proportion (1H/2019)

16% 77% 7%

https://www.tnbfinance.com/

21

JMT Q2/2019 Cash Collection and Revenues Performance

Q2/2019 Debt Acquisition Revenue Trend Q2/2019 Cash Collection

“Fully Amortized Portfolio increase Debt Acquisition Revenue”

Unit: M.Baht Unit: M.Baht

514 548

608

730 708 706

Q1/2018 Q2/2018 Q3/2018 Q4/2018 Q1/2019 Q1/2019

341 351 369

420 419 449

Q1/2018 Q2/2018 Q3/2018 Q4/2018 Q1/2019 Q1/2019

22

JMT Q2/2019 Revenues Performance (QoQ analysis)

Unit: M.Baht

“Q2/2019 Revenues Increase mainly from Debt Acquisition Revenues”

90

419

44

553

92

449

50

591

Debt collection Debt Acquisition Insurance Total

Q1/2019

Q2/2019

+7%

+7%

+2%

+14%

23

JMT 1H/2019 Revenues Performance (Half Year Compare)

Unit: M.Baht

“1H/2019 reflects New Revenues Baseline”

124

692

34

850

182

868

94

1,144

Debt collection Debt Acquisition Insurance Total

1H/2018

1H/2019

+35%

+25%

+47%

+176%

24

JMT 1H/2019 Debt Collection Performance

Commission Rate and Success Rate Collection Services Portfolio Size

Unit: M.THB

13,707 13,950 15,954

25,367

18,291

22,353 20,133 19,176

38,672

2012 2013 2014 2015 2016 2017 2018 H1/2018H1/2019

2.9% 3.6%

4.8% 4.8%

7.7% 8.3%

9.3% 9.4%

5.8%

22.6%

15.8%

10.3%

6.9% 7.4%

10.3% 10.5% 9.6% 9.9%

2012 2013 2014 2015 2016 2017 2018 H1/2018H1/2019

% Success rate

% Commission rate

Collection Revenues Increased

25

JMT 1H/2019 Debt Acquisition Milestones

Secure Loan

“The Next S-Curve Growth”

6,429 13,542

22,017

31,679

63,223

88,683

108,283

124,554

145,557 148,091

2010 2011 2012 2013 2014 2015 2016 2017 2018 1H/2019

Secure Loan

Hire Purchase

Personal Loan

Total

26

JMT 1H/2019 Cash Collection Performance

1 42 86 102 160 154 136 194 254 97

212 46 122

14 23 54 73 173

194 153 228

417 603

916

1,227

594

655

303 326

17 15 27 82

182 211 256

350

384 287

737

919

372

547

199 258

31 39 81 156

397 491 511

739

954

1,026

1,847

2,399

1,062

1,414

548

706

Y2006 Y2007 Y2008 Y2009 Y2010 Y2011 Y2012 Y2013 Y2014 Y2015 Y2016 Y2017 Y2018 6M/18 6M/19 Q2/18 Q2/19

Revenue 100%

Revenue

Amortization of investment

Cash collection

Unit: MB

Target 2019: 3,000 MB

27

JMT Debt Acquisition: Portfolio Return and Investment

Collected as %

of Investment 483% 252% 404% 506% 270% 277% 207% 140%

Investment(MB) 39 16 49 74 122 384 399 439

2006 2007 2008 2009 2010 2011 2012 2013

OS Balance (MB)

Collected

Investment

28

JMT Debt Acquisition: Portfolio Return and Investment

Collected as % of

Investment 126% 100% 132% 76% 22% 3% 93%

Investment (MB) 1,613 1,319 906 1,598 2,583 1,235 9,998

148,091

Total 2014 2015 2016 2017 2018 1H/2019

OS Balance (MB)CollectedInvestment

29

JMT Q2/2019 Gross Profit and SG&A

Q2/2019 Gross Profit Margin Q2/2019 Gross Margin

Unit: M.Baht

248 272

285 279

323 302

-

50

100

150

200

250

300

350

Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19

62.1% 65.4% 64.2% 64.0%

61.3% 57.6%

62.1% 60.4% 59.0%

52.3%

58.4%

51.2%

Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19

Debt Only GPM

Consol GPM

30

JMT Q2/2019 SG&A and Consolidated Net Profit

Q2/2019 Consolidated Net Profit Q2/2019 %SG&A to Revenues

Unit: M.Baht

15.5% 16.3%

12.3% 11.5%

15.0% 13.8%

15.5%

18.6%

16.0% 14.9%

17.3%

15.7%

Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19

%SG&A Debt

%SG&A Consol 116 120

138 131 144 149

29.0%

26.6%

27.7%

19.8%

25.6%

23.2%

0.0

5.0

10

15

20

25

30

35

-

20

40

60

80

100

120

140

160

Q1/18 Q2/18 Q3/18 Q4/18 Q1/19 Q2/19

Net Profit % NP

31

JMT Q2/2019 Net Profit for Debt Business: Quarterly Base Line lifted up

73

125

99 99

116 120

138

161

148

162

Q1/2017 Q2/2017 Q3/2017 Q4/2017 Q1/2018 Q2/2018 Q3/2018 Q4/2018 Q1/2019 Q2/2019

2X from Q1/2017

32

JMT 2019 Forward Looking

1. Debt Collection

Business

2. Debt Acquisition

Business

3. Insurance Business

Key initiatives

• Maintain portfolio at least 20,000 M.THB.

• Target 30% growth in debt collection services revenues by improving

collection efficiency.

• Synergy services to Jaymart Group of companies for collection services

• Target to acquire distress debt with budget 4,500 million baht in 2019.

• Fully Amortized Revenues will significantly increase since 2019 onward.

• Target to achieve cash collection more than 3,000 million baht in 2019

• Secure Loan Bad Debt is the next S-curve to JMT

• Revenues target 300 million baht in 2019. Focus on net margin not sale

revenues.

• Diversify portfolio toward less loss ratio such as non-motor insurance by

target 70% motor insurance with less loss ration and 30% non-motor

insurance.

• InsurTech: Surewarp Application

Actual 1H/19

• Debt collection revenues

growth at 47% yoy.

• Debt acquisition will be

loaded in Q3- Q4/2019.

• Cash Collection in line with

the target.

• Insurance revenues decline

due to remove of port of

high loss ratio, auto type, to

reduce insurance overall loss

ratio

33

JMT Fully Amortized Portfolio

OS Balance of 100% Fully Amortized Number of Portfolio

“The potential of 100% fully amortized revenue will significantly boost up

earning in Q2/2019 onward”

17,600

106,954

24,529

121,038

33,374

114,717

Fully Amortized IRR

2017

2018

1H/2019

43

99

50

102

Fully Amortized IRR

2018

Q2/2019

34

JMT Revenues Stream Fully Amortized Portfolio

Cash Collection Trend Expected Rev. Stream – Fully Amortized Increase

Q1/19 Q2/19 Q3/19 Q4/19

Other Insurance

100% Revenues IRR Revenues

Debt Collection Sevices

553 591

XXX XXX

Unit: M.Baht

708 706 XXX

XXX

Q1/19 Q2/19 Q3/19 Q4/19

Unit: M.Baht

“Revenues Stream Expectation in Q3-Q4/2019”

35

JMT 2018 Gross Profit and SG&A

JP insurance

#JPInsurTech

#InsurTechAwakening

#Goingforward!

ภาพรวมเบยประกนภยรบเดอน ม.ค. – ก.ค. 2562

เปรยบเทยบเบยรบรวมและก าไรขาดทนสะสม ในชวง ม.ค.-ก.ค.แบบ YoY 2561 vs 2562

ปรบเพมสดสวนงานNon-motor

ใหเพมขน

มงเนน InsurTech โดยการเชอมตอOnline กบ Brokers และ พนธมตร

เพมชองทางขาย B2B2C และปรบคา Commission ใหต าลง

ลกษณะการด าเนนงานท JPI ยดมนเสมอมา

109.43

-54.94

217.71

-37.28

(100)

(50)

-

50

100

150

200

250

เบยประกนภยรบ ก าไร (ขาดทน) สทธ

Millions

เบยรบเตบโตขนจากชวงเวลาเดยวกนในปกอน 98.95%

ก าไร(ขาดทน)สทธ ลดลงถง32.14%

เบยประกนภยรบ ก าไร(ขาดทน)สทธ

2561

2561

2562

2562

*Remark*

ขอมลเบยรบและก าไร(ขาดทน)น เปนตวเลขทางบญช ณ ป 2562

ท าให JP’s Portfolio ดขน โดยการยกเลกงานประกนภยรถสาธารณะ

JP insurance

www.jpinsurance.co.th

93%3%

4%

Broker

B2B2C

Synergy

ภาพรวม Commercial ม.ค.-ก.ค. 2562

สดสวนเบยรบจากชองทางขายกลยทธ

Broker

208,096,588.32

B2B2C

7,600,254.4

Synergy

8,559,833.59

Motor190,952,097

Non-motor24,915,391

คดเปน 100%

Total: 199 รายคดเปน 59%

L/R<60%: 140 ราย*คดเปน 73%

Active: 145 ราย

* LR ของกลมตวแทนทนอยกวา 60% คดจากนายหนาทงหมด 226 รหส** ขอมล LR ของตวแทนชดน เปน LR เฉพาะงาน Motor เทานน

Active Agents & Brokers

New Target Sale: 392 MB

How far we have come!

44.93%55.07%

เบยประกนภยรบ(รวมสลกหลง) ม.ค.-ก.ค. 2562

88% 12%

Motor Non-motor

ขอมลยอดขายรวมสลกหลงตามวนท ารายการ ณ วนท 2/08/19

เบยรบตามวนท ารายการ ณ วนท 2/08/19

215,867,487.71 176,144,733.31

JP insurance


91% 90% 91% 72% 88% 87% 86%

9% 10% 9% 28% 12% 13% 14%

0%

20%

40%

60%

80%

100%

Jan Feb Mar Apr May Jun Jul

Motor

Non-Motor

อตราสวนเบยรบ Motor : Non-Motor ในชวง ม.ค.-ก.ค. 2562

172,032

6,810,224

ม.ค.-1

8

ก.พ.-1

8

ม.ค.-1

8

เม.ย.-

18

พ.ค.-1

8

ม.ย.-1

8

ก.ค.-1

8

ส.ค.-1

8

ก.ย.-1

8

ต.ค.-1

8

พ.ย.-1

8

ธ.ค.-1

8

ม.ค.-1

9

ก.พ.-1

9

ม.ค.-1

9

เม.ย.-

19

พ.ค.-1

9

ม.ย.-1

9

สดสวนประเภทงานฝายรบประกนภยรถยนตเทยบจากเบยประกนภยรบ

พรบ40%

รถบาน31%

รถสาธารณะ16%

รถบรรทก13%

สดสวนงานขาย ม.ค. – ก.ค. 2562

31%

40%16%

13%

รถสาธารณะ62%

พรบ27%

รถบาน6%

รถบรรทก5%

สดสวนงานขาย ม.ค. – ก.ค. 2561

62%27%

50%

64%

99% 102%92%

29%

81% 83%

65%

78%

พรบ รถกระบะ รถบรรทก รถบาน รถสาธารณะ

2018

2019

Flagship Package of Motor : JeedJad

ป 2562 แพคเกจจดจาด มยอดขายเตบโตเพมขนอยางตอเนองนบจากชวงเปดตวจนถงปจจบน

Motor Loss Ratio แบงตามประเภทการใชงาน 2561 VS 2562ณ ส.ค. 2562

2561

2562

83.09%

60.02%

0.00%

20.00%

40.00%

60.00%

80.00%

100.00%

2018 2018

ภาพรวม Loss Ratio ณ ส.ค. 2562

2561 2562

Motor

สดสวนประเภทงานฝายรบประกนภยทวไปเทยบจากเบยประกนภยรบ

66.00%

32.00%

0.00%

20.00%

40.00%

60.00%

80.00%

2108 2019

ภาพรวม Loss Ratio ณ ส.ค. 2562

2561

ม.ค.-ก.ค.

2562

ม.ค.-ก.ค.

กลมงาน Non-motor ท Focus

LR : 1.35%

Neon SignMarine/Carrier

LR : 27%

Drone

LR : 2.53%

MISC

LR : 6.59%

PA

LR : 41.42%

LOSS RATIO

26.16%

NEW

2561 2562

Non-Motor

What Happened in 2019

Flash Express COD

Mobile Plus

ประกนภยรถ ป.1 จดจาด

Flash Express ยอดรวม 293,186 บาท

16,171

41,103

47,820 46,998

54,281

60,260

Week 1 Week 2 Week 3 Week 4 Week 5 Week 6

ยอดขายแยกรายสปดาห

Gross PremGrowth 273%

เรมขาย 26 มถนายน 2562 – 6 สงหาคม 2562

*หมายเหต week1 มเพยง 3 วน : 26 June – 28 June 2019

Week 1 Week 2 Week 3 Week 4 Week 5 Week 6

5,390* 5,872 6,831 6,714 7,754 8,609

ยอดขายเฉลย

LOSS RATIO

26.16%

ยอดขายเฉลยตอวน

7,060

7,319

7,869

10,019

72,994

นครศรธรรมราชนนทบร

พษณโลกปทมธานกรงเทพ

Top 5 จงหวดทมยอดขายสงสด

1,735

1,755

1,830

3,690

6,585

เชยงใหมสราษฎรธานสมทรปราการ

ชลบรกรงเทพ

Top 5 จงหวดทมเคลมสงสด

ประกนภยรถประเภท 1

ประกนภยรถ ประเภท 2+,3+

ประกนภยรถประเภท 1 จดจาด

ประกนอคคภยส าหรบบานอยอาศย

ประกนอคคภยส าหรบธรกจ(SME)

ประกนอบตเหต(PA)

ประกนการเดนทาง(TA)

JPI ควารางวลE-Claim Awards 2018

เจพ ประกนภย ควา 2 รางวลระดบเอเชยรางวล “Effective Adoption of

Technology into the Insurance Business” และ “Woman in Insurance Leadership” จากงาน “Emerging Asia

Insurance Awards 2019”

Miss Mobile Thailand 2019

JPI ไดรบรางวล “การใชระบบสนไหมอตโนมตดเดน ประจ าป 2561” จาก บรษท กลางคมครองผประสบภยจากรถ จ ากด

JPI มอบรางวลกรมธรรมประกนภย ทนประกน จ านวน 500,000 บาท ใหแก Miss Mobile Thailand 2019 ณ งาน Jaymart Mobile & Gadget Show

2019

JP insurance

#JPInsurTech

#InsurTechAwakening

#Goingforward!

Looking Ahead

ทศทางในชวงเดอน ส.ค.-ธ.ค. 2562

JPI ยงคงมงมนทจะพฒนาผลตภณฑประกนภยเพอยกระดบการใชชวตใหกบกลมลกคาเปาหมายอยางตอเนอง

ไมวาจะชนหนก หรอชนเบา เรากมแผนความคมครองประกนภยรถหลากหลายแบบใหเลอกสรร

ประกนภยรถ ป.1 จดจาด

ประกนภยรถประเภท 1

ประกนภยรถประเภท 2+,3+

Highlight

Flash Express“Declare Value”

TA“InsurTech Autoclaim”

“Mobile Care”

ปลดลอกความกงวลดวยแบบประกนการเดนทางของ JPI ทคมคากวาทใด

ใชกลยทธ Reinsurance

Strategy เพอสรางก าไรอยางตอเนองตงแตเดอนส.ค. 2562 โดยการปรบอตราสวน Reinsurance

จาก 50:50 เปน 75:25

JP insurance


24.23

20.90

25.39 24.70

30.42

46.87 45.21

29.16 29.15

51.99

32.15 31.85

0.21

3.56

2.66

3.25

3.45

-

0.50

1.00

1.50

2.00

2.50

3.00

3.50

4.00

-

10.00

20.00

30.00

40.00

50.00

60.00

Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

Millions

Millions

Premium

Profit(Loss) 2561

Financial Forecasting (ส.ค.-ธ.ค. 2562)

Actual Forecast

ในเดอน ต.ค. จะมงาน “ประกนพชผลทางการเกษตร(ขาวนาปรง)” หรองานประกนภยเบดเตลดเขามา ท าใหเบยรบประกนภยจะเตบโตสงกวาปกต

JP insurance


81% 89% 54% 87% 88%

19% 11% 46% 13% 12%

0%

20%

40%

60%

80%

100%

Aug Sep Oct Nov Dec

Motor

Non-Motor

อตราสวนเบยรบ Motor : Non-Motor ในชวง ส.ค.-ธ.ค. 2562

เนองจากงาน “ประกนพชผลทางการเกษตร(ขาวนาปรง)” ทเปนงานประกนภยเบดเตลดจะเขามาในเดอนต.ค. ท าใหสดสวนเบยประกนภยงาน Non-Motor

อาจจะปรบสดสวนมากขนกวาปกต


Opportunity Day Q2/2019


• Construction on achieve 70%

• Expected to transfer in Nov 2019

Transfer Newera in Q4/2019

• Debt burden will diminish start 2021

Capital Structure Balance

Forward Looking 2019 and 2020

New Project in 2019 : The Jas Amata

• Activities, Rental Space and Event

Synergy with JMART Group

2019 2020

• Signed up contact with Key tenant

• Expect to receive rental revenues in Q3/2019

http://www.google.com/url?sa=i&rct=j&q=&esrc=s&source=images&cd=&cad=rja&uact=8&ved=2ahUKEwi3y_m71KviAhVG7HMBHbpTD6YQjRx6BAgBEAU&url=http://www.google.com/url?sa%3Di%26rct%3Dj%26q%3D%26esrc%3Ds%26source%3Dimages%26cd%3D%26ved%3D2ahUKEwi98b651KviAhV-4XMBHZi3BQ0QjRx6BAgBEAU%26url%3Dhttp://www.jasasset.co.th/%26psig%3DAOvVaw171JkBsHAki4AgMS6V05pU%26ust%3D1558494998870817&psig=AOvVaw171JkBsHAki4AgMS6V05pU&ust=1558494998870817

38

JAS Asset Revenues Flow: 2019 - 2020 Projection

2015 2016 2017 2018 2019 (FC) 2020 (FC)

Condominium

Other Income

Beans & Brown

The Jas

J Market

IT Junction

539 562

751 670

900

1,180

Jas Amatanakorn

Condominium

“Transfer condominium in Q4/2019 and New Project JAS Amatanakorn in Q1/2020”

Unit: MB


44 Branches

Total Rental: 1,217 unit

OCC Rate (Q2/2019): 81%

40

Occ rate : 91% (end of Q2/2019)

41

The Jas Wanghin Occ rate : 97 (end of Q2/2019)

The Jas Ramintra

Occ rate : 98 (end of Q2/2019)


Revenues Breakdown

Unit: MB Unit: MB

Total Revenues

562

758

916

375 370

2016 2017 2018 H1/2018 H1/2019

295.5, 80%

44, 12%

30.7, 8%

Rental Income

Sale Income

Other Revenues

Jaymart Public Company Limited 43 43

Unit: MB

EBITDA Net Profit

Unit: MB

70

148 138

2 -5

2016 2017 2018 H1/2018 H1/2019

5.7 6.4

-17

-14

-17

2016 2017 2018 H1/2018 H1/2019


Construction Update Newera Condo

Over 80% completed in construction progress

With 70% Sale


The Jas AMATA NAKORN


Project Update The JAS Amatanakorn

Secure Key Tenant


The JAS Amatanakorn

BEANS AND BROWN CO.,LTD

22/08/62

50

“Daily Dose of Coffee

for Every Lifestyle”

BRANCHES CASA LAPIN XL PATTAYA

BRANCHES (UPCOMING) CASA LAPIN X ATT U BANGNA

OPENING

SEPT 20

1.CLMV

2.Phnom Penh**

3.Copenhagen

4.Tokyo**

5.Singapore **

6.Seoul

7.Taipei

8.Hong Kong

9.Indonesia

OVERSEA EXPANSION TARGET IN ASIA 2019 - 2021

BRANCHES 16 17 17 18

21M

18M

18M

Revenue Projections

REVENUE STREAM

COFFEE SHOPS

CASA LAPIN 13 BRANCHES

RABB COFFEE 4 BRANCHES

MERCHANDISES

CATERING SERVICE

BRAND COLLABORATION Casa Lapin x Pancake Café

Casa Lapin x Spaces Casa Lapin x CODE Dessert

1.Gross Margin

Strengthening • Revenue mix - healthy

• Product focus

• Revenue share from

vending machine

2.Bad Debt

Improving • Collection continue to

improve

• Reclassify sales &

collection capability

KPI

• Improved collection

system

3.Loan Portfolio

Diversification • Continue expansion of

C4C

• Collateral loan –

Captive Finance

• Stabilize interest

earnings

• Growth in fees

4.Operation

Optimization • Utilize technology –

Oracle ERP

• Full IT-driven process

& control

• Fraud control process

SINGER Turn-around

CONTROL

COLLECT

CONSISTENT

CONVERSION

Revenue Mix

Unit: MB

3,395

2,546

2,363

2,888

580 603

• QoQ – Q2’19 total revenue grows 13% from Q1’19 on higher sales revenue mainly from summer products (i.e. air condition)

• YoY – Q2’19 total revenue decreases 10% from Q2’18 – 66MB from TV (last year was World

Cup 2018 season) and 28MB from airtime

machine sales. Y2015 Y2016 Y2017 Y2018 Q1'18 Q2'18 Q1'19 Q2'19

Other Income

Service Revenue

Interest Earning

Sales Revenue

681 760

377

511

334 412

136

148

191

185 30

33

26

20 37

67

53

65

Q1'18 Q2'18 Q1'19 Q2'19

580 603

681

760

2018 2019

Optimization of high-profit margin products

Product Gross Margin

AR Portfolio vs Bad Debt Provision

Unit: MB

Portfolio Growth

Unit: MB

Bad Debt Provision (QoQ)

1,951 1,950 2,116

3,294 3,228 3,177

Y2015 Y2016 Y2017 Y2018 Q1'19 Q2'19

100

184

372

446

94 105

Y2015 Y2016 Y2017 Y2018 Q2'18 Q2'19

Portfolio Mix & Interest Earning Mix

Interest Earning Mix Portfolio Mix

* C4C started in May, 2017

100% 99%

80%

68% 67%

1%

15%

22% 23%

5% 10% 10%

Y2016 Y2017 Y2018 Q1'19 Q2'19

CAPTIVE C4C HP

NPL Performance

NPL

27.1%

18.4%

22.5% 22.9%

1.4% 0.6% 0.8% 0.5%

4.7%

1.3% 1.3%

3.6%

20.6%

10.2%

12.3% 12.9%

Q1'18 Q4'18 Q1'19 Q2'19

HP C4C Captive Total 38.9%

29.2% 28.4%

25.7%

32.8%

40.7%

10.2%

14.7% 14.5%

18.4%

22.5% 22.9%

Q4'18 Q1'19 Q2'19

DC

DPS

Farmer

Total HP

Hire Purchase NPL Clarification

Q4'18 Q1'19 Q2'19

DC 8,577 4,553 2,611

DPS 70,658 53,469 37,280

Farmer 55,668 65,627 78,232

Total HP 134,903 123,649 118,123

Number of Account Receivables

67

J Fintech Loan Portfolio Size and Portfolio Type

Loan Portfolio Type Loan Portfolio Size (Outstanding Balance)

Unit: MB Unit: MB

As of Ending of Q2/2019

633

2,209

3,258

4,028 3,726

2015 2016 2017 2018 Q2/2019

3,241 , 87%

191 , 5%

295 , 8%

RL

TL

FT

68

J Fintech 1H/2019 Revenues Performance

Total Revenues

Unit: MB

Revenues Composition

Unit: MB

40

257

560

1,016

458 485

2015 2016 2017 2018 1H/2018 1H/2019

530

876

404 429

30

128

52 24

1

12

2 33

2017 2018 H1/2018 H1/2019

Bad Debt Recovery

Fee and others

Interest Income

69

J Fintech Bad Debt Recovery and Collection Performance

Bad Debt Recovery Revenues

Unit: MB

Collection Rate (Normal + X Day)

1 1 1

3

7

14

20

Q4/2017 Q1/2018 Q2/2018 Q3/2018 Q4/2018 Q1/2019 Q2/2019

96.9%

96.7% 96.5%

96.9%

97.6%

97.3%

Q1/2018 Q2/2018 Q3/2018 Q4/2018 Q1/2019 Q2/2019

70

J Fintech Forward Looking in 2nd Half in 2019

Write Off Portfolio OS – Recover Opportunity Confidence in Synergy Collection Partner

96.9%

96.7%

96.5%

96.9%

97.6%

97.3%

97.XX% 97.XX%

Q1/2018 Q2/2018 Q3/2018 Q4/2018 Q1/2019 Q2/2019 Q3/2019 Q4/2019

345.8

542.7

711.1

2018 Q1/2019 Q2/2019

Unit: MB 1% Target

71

J Fintech Forward Looking in 2nd Half 2019

Portfolio Size Target (Revised Target)

Unit: MB

Bad Debt Recovery Revenues Target

633

2,209

3,258

4,028 4,200

2015 2016 2017 2018 2019

(Target)

Target Principle

Balance in 2019

1

12

60

2017 2018 2019 (Target)

Target Bad Debt Recovery in

2019 = 60 million baht or

average 5 million per month.

Revenues from

interest income

increase as portfolio

expand

Unit: MB

34

Khun Taro comes from Mar

Credit Picture: Reader’s Digest

J Ventures for JMART Opp Day

22 August 2019


JFIN DDLP

Copyright © 2019 J Ventures 5

B2B: BANK TO BUSINESS/

INVOICE

P2B: PERSONAL TO

BUSINESS/ BOND

B2B (DLP):

UNBANK TO SME/

INVOICE

B2P (DLP):

UNBANK /

PERSONAL LOAN

P2P: PERSON /

PERSONAL LOAN

P2B: PERSON /

BOND

PLATFORM

Digital

Lending

B2C: BANK TO CONSUMER/

PERSONAL LOANAnalog

Lending


J LOAN LITE


192,000THB

180

Download App

6,019KYC

2,358

Apply Loan

1,902Approved (9.46%)

Total Approved Loan Amount

ข�อมล ณ วนท 19 สงหาคม 2562

J LOAN LITE

© J Ventures 2019

PAH MARKETPLACE: PRODUCT ROADMAPB2B B2P P2B P2P

Blockchain

ONE TIME LOAN

OCTOBER 2018

FAST MONEY

JUN 2019 7 AUG 2019

Temjaipay J LOAN LITE P2P

DEC 2019

www.ป�า.com JFIN Wallet

Loan OriginationCredit Scoring

Digital Lending P2P Lending

Marketplace

Loan Repayment Management

Debt Collection

JFIN Identity Management

JFIN Wallet Management

Stake Rewarding

Stake Rewards

J MONEY

© J Ventures 2019

PAH MARKETPLACE: PRODUCT ROADMAP 2020

B2B B2P P2B P2P

JAN 2020

DCF J LOAN PAH AUTO PAH ADVANCE PAH MAKE DOOM J LOAN PLUSWORKING CAP

1 MAR 2020Q1/2020 Q2/2020

FACTORING

INVOICE

© J Ventures 2019

Scan QR Code to

Register

E-KYC

Paybackเล�นเกมส� และตอบ

แบบสอบถาม

Apply Loan

Approved /

Reject Process Cash out

IAL 2.2

SCORE

• E-Contract

• E-Signature

รบ

QR/Barcode

เพอสแกนจ�าย

ชำระเงน

E-Wallet

1 min 3 min 5 min 3 min 3 min 3 min 3 min *1-2 Days for money to bank

account

PAH MARKETPLACE: CUSTOMER JOURNEY


DIGITAL PAYMENT

BLOCKCHAIN

SCORE

E-KYC

CREDIT SCORING

WHY PAH MARKETPLACE


STAKE REWARDS


JFIN STAKE REWARDS

การเข�าร�วม Stake เพยงฝาก Stake ท Jfin Wallet เป�นเวลาอย�างน�อย 30 วน


6,042,103.73

95JFIN STAKE REWARDS

Total Stakers

Total JFIN in JFIN Wallet

ข�อมล ณ วนท 19 สงหาคม 2562


TOKENOMICS

© J Ventures 2019

TOKENOMICS

IDP NDID PLATFORM

J IDENTITY

PROVIDER

UNIVERSAL

POINT SYSTEM

LOYALTY POINT

EXCHANGE PLATFORM

CRYPTO

OTC

CRYPTO

LENDING

MICRO LENDING /

DEBT CROWD

FUNDING

CRYPTO OFFLINE

EXCHANGE

CRYPTO as LENDING

COLLATERALFRACTIONAL DEBT

MANAGEMENT

IDP is a services to enroll, identity proofing, and perform authentication of the identity for relying party. A service allow Digital Identity,

Digital Consent and Digital Signature for business in Thailand.

UPS is a loyalty Point Exchange Platform where customer can manage

and accumulate the major loyalty points into a single platform

Crypto OTC is an crypto offline exchange services for major

crypto where traveller can get instant cash directly from their

crypto wallet.

© J Ventures 2019

July August September October November December Q1 2020

JFIN Wallet Phase II

7 July 2019 Universal Point System (UPS) Phase 1

17 Sept 2019

Offline Exchange OTC

(Dealer / Broker license) Q1 2020

IDP

7 Dec 2019

Crypto Lending 26 Dec 2019

Debt Crowd Funding Q1 2020

TOKENOMICS MASTER PLAN

Crypto PayDigital Asset

Marketplace

ON HOLD

10,000 USERS

40,000 USERS

50,000 USERS

70,000 USERS

Universal Point System (UPS)

Phase 2 7 Nov 2019

© J Ventures 2018

Debt Crowdfunding Platform

BORROWER

LENDER

ESCROW

PLATFORM

REGISTAR

SECURITIES DEPOSITORY

SECURITIES

© J Ventures 2018

Techsauce Event

19-20 Jun 19

Debt Crowdfunding

Go-live

UI

Complete

SIT

Complete

P2P Lending

Sandbox

Submit

P2P License

UAT

Complete

DDLP

Go-live

7 Aug 19

SEC

UT

Complete

Micro-service

Complete

JULY SEPTEMBERNOVEMBER

JUNE AUGUST OCTOBER

DECEMBER JANUARY 2020

Meeting

with SET

UPS : Universal Personal System

CORPORATE POINTS

LOYALTY POINT EXCHANGE PLATFORM

SME POINTS

Point Issuing Point Exchange Point Transfer Point Wallet

RP Relying Party

IDP Identity Provider

AS Authoritative Source

1

2

3

4

5

6

7

Authentication on JFIN Wallet

Secure Storage eKYC App on Mobile Device

1

2.12.22.3

J IDENTITY PROVIDER

72

7,930

Data as of 20 Aug 2019

Jaymart Public Company Limited

Q&A

73

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SET Opportunity Day Q2/2019 JMART Group...2019/08/22 · • Award Winning for Debt Collection...

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