highest average score in ASEAN for six consecutive years. The Awards are divided into three categories, namely:   (1)  ASEAN Asset Class PLCs Award for companies obtaining 97.50 scores or more, given to 42

million baht or 17. 01% . The increase was due to additional of borrowing to support hire purchase loan expansion and maintained the company interest spread. For the provision expenses for the fourth

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

358,413 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under supervision amounted to 13.7 million accounts, 6% more

loan to support working capital, especially in additional accounts receivable, including imported raw material, and increase in long term loan for fixed assets acquisition. Since there was dividend

personal loan revenues and higher bad debt recovery. In addition, in September the Company launched “AEON Thai Mobile Application” which is new financial innovation to meet lifestyle in digital era and

the Company and its subsidiary increased by Baht 179.79 million compare with last year, mainly resulting from a higher long-term loan in Quarter 4 in order to reduce the burden from bank overdrafts and

’ burden by reducing minimum payment for credit card and personal loan as well as providing a grace period and relief program in the first quarter of 2020. Moreover, the Company adopted a more cautious in

of 2018, or 47.62%, due to settle loans from outsiders at the rate of 9.00% per annum and Short term bill of exchange at the rate of 7.00% per annum at the end of 2017 and no additional loan in 2018

of previous long-term loan. Comparing to 4th quarter, financial cost increased significantly by 200.13 percent, caused by loan drawdown which was invested in new production line. As a result, cost of