of Thailand cut the ceiling rates of interest rates on credit card from 18% to 16% per annum and personal loan from 28% to 25% per annum, effective from August 1, 2020 onwards. On the other hand, our

initiated and implemented community development projects under the “framework of improvement of quality of life of the communities surrounding the power plants”, which ensures that the relationship between

services was Bt652.92mn an increase 0.6% YoY due to the depreciation ratio to the core revenue will tend to decrease from the kiosk that its useful life is 8 years. 2) Service and administrative expenses in

increased by 9% y-y, especially in personal loan and hire purchase products as well as continued growth from bad debt recovery by 33% y-y. The revenue from overseas subsidiaries grew by 60% y-y as a result of

revenues from core business, increasing 0.6% when compared to 78.2% in 1Q18, while decreasing 0.9% QoQ, because the kiosks that its useful life reach 8 years can normally work as well as the Company can

2020. At the present, Forth Smart Trading Co., Ltd., a subsidiary of the Company, has already received a license from the Ministry of Finance through the Bank of Thailand to do personal loan, nano

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

the Company’s branches. In addition, a variety of online transaction channels have resulted in the Cardless transactions currently accounted for 95% of total personal loan sales, which Promptpay service

credit card spending and acquisition of new credit card customers. In addition, our consolidated revenue from Personal Loan were 10,385 million baht, stable from previous year and consolidated hire

including SME Car3x loans expanded at 51.7%, personal loans increased by 18.7%, corporate banking loans expanded by 106.8%, Lombard loans expanded by 15.3% with real estate development loans also registering