1 Forth Smart Service Public Company Limited (FSMART) 1Q19 Management Discussion and Analysis Operational Summary in 1Q19  Net profit was Bt150mn, increasing 3.1% YoY  Total revenue from core

been expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently accounted for 95% of total personal loan sales which

continued to decline. As of May 31, 2017, the Company’s total cards reached 7.87 million cards (including 2.40 million credit cards and 5.47 million member cards), net increasing by 59,000 cards from February

1 Forth Smart Service Public Company Limited (FSMART) 3Q19 Management Discussion and Analysis Operational Summary in 3Q19  Net profit was Bt144mn, decreasing 1.1% YoY.  Total revenue from core

card revenue in Cambodia grew by 53% from last year. - Loans In the first quarter of 2018, loans shared 29% of total turnovers (shared 17% from personal loan and 12% from purposed loan for mobile phone

to submit the application forms in the shopping stores all over the country. - Loans In the first half year of 2017, loans shared 39% of total turnovers (shared 23% from personal loan and 15% from

, personal loans business, and non-performing loan management business was the important main factor driving the Group's overall performance to continue growing compared to the previous year. For the Company's

service was launched, the Cardless transactions at ATMs accounted for 18% of total personal loan sales. Moreover, loan income from AEON Microfinance (Myanmar) Company Limited in the second quarter of 2019

qualification requirements of the Revenue Department are met. In any case, the total transferred sum is not entitled to annual personal income tax exemption. "The SEC encourages Thai people to get serious about

of the fiscal year of 2022, the Company has total sales (turnover) increase by 23.4% y-y, with the focus on credit card business, as a result of new product launching in accordance to the