personal loan business to Boonterm kiosk’s Master Agents (Mas), sub-agents, Mas’ employees, and FSMART affiliated companies’ employees. The Company also offered CRM activities, including reward points
measures to prevent the outbreak of COVID-19 such the state of emergency declared in all areas of the Kingdom of Thailand. And requested to consider activities involving gathering, which may promote person
appropriate with their business. The Company also organized the marketing activities to educate the water quality to target’s group continuously. At the same time, the subsidiaries consist of Irving Corporation
chain disruptions as economic activities in China were put on hold. The disruption of activities in industries affected by the Covid-19 outbreak, combined with the curfew’s curtailing of business
service followed by client’s standard that appropriate with their business. The Company also organized the marketing activities to educate the water quality to target’s group continuously. At the same time
, credit card revenue was 1,887 million baht, an increase of 9 million baht or 1% y-y. The Company has focused on promotion activities to encourage customer’s spending and increase market share. For example
-Customer (e-KYC) service, etc., as well as offering the CRM activities, including reward points program, to increase the usage frequency on both existing and new customers. For the operating result in 3Q19
under the operation of its subsidiary in Thailand. As for the subsidiaries in Thailand, there will be only revenue and costs from representative and transportation activities in the country (said
decelerated of marketing activities as well as a decrease in space of property expenses. For the fourth quarter of 2020, the consolidated operating and administrative expenses were 2,160 million baht