, 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

the 2020 economy will decrease from -5.3% to - 8.1%, causing overall market uncertainty. The Company has adapted to support the situation by considering investing in the educational loan business. Under

had loan amount of Bt89mn. Business Overview In FY2019, FSMART (or the “Company”) is still the number 1 leader in online top-up kiosk business in both total transaction amount and the number of kiosks

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

% from the same period last year. This was because the loan provisions expense in subsidiary and employee remuneration from business expansion. Net Profit The Company’s net profit from consolidated

business is operated under the management of JMT Network Services Public Co., Ltd., Property development is performed under the operation of JAS Asset Public Co., Ltd., Personal loan business is operated

Lock Downs in other major businesses. It can generate earnings to remain profitable in both the mobile distribution business, personal loan business and real estate development business. The details of

phone etc in overseas. Revenues from hire purchase were 431 million baht, an increase of 61 million baht or 17% from total hire purchase revenues last year, drove by auto loan business. In addition, the

-finance, and auto-leasing (car-for- cash) businesses. The personal loan business is expected to start by the end of 2019 with the Bt500mn credit line in the first year and to target on Boonterm kiosk’s

expenses equal to 636.7 million baht, 12.8 % increasing. This is due to the allowance of provision in distress debt management business and personal loan business. Finance Cost The company had total