Card, AEON Royal Orchid Plus Platinum JCB Card and launched privileges and campaigns to AEON credit cardholders throughout the year. For example the campaign “AEON Happy Plan” which offering credit

previous quarter. In August 2018, the Company launched an instant card for cash withdrawal service at our branches to facilitate customers and also launched “AEON Happy Pay”, which the customers were able to

advance or installment loans (AEON Happy Pay). Thus, the Company provides more channels to facilitate financial services to customers and reduce Company’s operation cost. Moreover, loan income from AEON

2019, loans revenue was 3,020 million baht, an increase of 381 million baht or 14% y-y. This is because the Company integrated credit limit of personal loan and purpose loan to AEON Happy Pay program in

while also improving efficiency in the Conglomerate’s risk and reserve management as well as capital adequacy and liquidity position assessment for improvement of the Conglomerate’s forward-looking and

domestic demand continued to expand driven mainly by improving of agricultural sector and government measures to support low-income households. As of May 31, 2019, the Company’s total cards reached 8.63

. Although the Company closed Boonterm kiosk system for improving its efficiency to support new business and service in the future. Moreover, in 2Q19, mobile operators closed their service system on the kiosk

collection service income from ACS Servicing (Thailand) Co., Ltd. of 64 million baht, increasing by 103% y-y, due to improving in debt collection and transferring of debt collection service from ACS Servicing

of Operating Revenue and improving operating performance. In 9M2018, Gross Profit from Operation was Baht 457.3 million, a 16.5% increased from Baht 392.7 million in 9M2017. 2 Share of Profit from

and materials cost for repairing and improving the kiosks to have full efficiency. However, depreciation cost is going to decrease due to the number of kiosks are not increase as much as last year. The