power, as farm income continued to be constrained by low prices of agricultural products and nonfarm income remained lackluster. Moreover, high levels of household debt caused the generation of new loans

revenue from sales. Comparing in terms of sales and gross profit, the company is still able to maintain a good market share as well as profit margin level during the economic slowdown since the previous

..) Liabilities 12. Borrowings 13. Securities sold under repurchase agreements 14. Payable to Clearing House 15. Securities business payable and derivatives business payables 16. Debentures and debt instruments 17

period, as follows: level arrangement amount allowance for allowance for of debt doubtful accounts doubtful accounts settled surplus (deficit) doubtful debt xxx xxx xxx substandard account receivable xxx

debts of the current period and comparative period, as follows: level arrangement amount allowance for allowance for of debt doubtful accounts doubtful accounts settled surplus (deficit) doubtful debt xxx

grow much, the income from the interest was at a level that could generate profit for the Company. In addition, J Fintech is still able to maintain a good debt collection rate, which the debt collection

-income households. Nevertheless, high levels of household debt continue to weigh on household purchasing power. Headline inflation in the first quarter of 2019 was 1.2 percent, up from 0.4 percent in the

. Also, there were concerns about pockets of risks in the property market, further accumulation of household debt, and debt serviceability of SMEs, especially those affected by changes in structural

personal loan revenues and higher bad debt recovery. In addition, in September the Company launched “AEON Thai Mobile Application” which is new financial innovation to meet lifestyle in digital era and

% q-q and other incomes in bad debt recovery increased by 38% y-y and 10% q-q as well as revenue growth from overseas subsidiaries by 77% y-y. The revenues for the Company were 5,139 million baht