in order to maintain liquidity and financial flexibility. The Company remains cautious on investment, while seeking various sources of working capital, along with effective control and management of
grows not much because the company has been cautious in lending to potential customers to pay back. In terms of debt collection, J Fintech maintains a relatively good debt collection rate. By collecting
, decreasing of 128 million baht or 2% q-q and 12% y-y. This is the result of the COVID-19 pandemic situation and economic slowdown has made consumers more cautious on spending, especially in cash loan products
minimum order due to the 2nd and 3rd waves of COVID-19’s breakouts since the beginning of 2021, which leads to less travel activities among Thai citizens who are more concerned and cautious about traveling
service excellence for our customers in all segments. • Mobile revenue remains under pressure – Heighten inflation risk is a key impact in raising cautious spending behavior and adversely influences low-mid
revenue remains under pressure – Heighten inflation risk is a key impact in raising cautious spending behavior and adversely influences low-mid income customers to turn to a cheaper package. AIS aims to
cautious in expanding high-risk loans. As of August 31, 2023, the Company had business distributions as below; Number of Networks and Merchandise Partners Aug 31, 2022 Feb 28, 2023 Aug 31, 2023 Branches
with business partners. However, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in
, in regards to the current economic situation which is in an improved trend but the risks to asset quality remained in concerns. The Company therefore remains cautious in expanding high-risk loans. As