such as the economy, national security, energy, international trade, and the safety of Thai nationals overseas. This enables the government to formulate timely and effective measures and response

the issuance of measures to strengthen know-your-customer and customer due diligence (KYC/CDD) standards for capital market business operators, aimed at preventing and suppressing financial crimes. The

endeavors aim to understand and anticipate each individual customer’s needs under the “Segment of One” concept and to provide smart personalized “Financial and Life Solutions” to the right customer at the

forecast. Although short-term economic stimulation measures from the government benefited private expenditure, but could not make a positive change to the overall GDP. (Source: Bank of Thailand). Thailand’s

and adjustment of unsecured personal loan providers after measures for controlling credit card and personal loan under supervision of the Bank of Thailand came into force September 1, 2017. Focus should

for all products. These measures would be effective in the first quarter of 2019. The growth of credit card business and personal loan business in Thailand was still growing strongly despite the

-36% YoY from 2Q22 which had a high base of marketing expenses following the border re-openings after improved Covid-19 situation. It decreased -21% QoQ from cost control measures in advertising and

issued epidemic control measures for COVID 2019. The Company and its subsidiaries (“the Group” ) had fully cooperated to help reducing the spread of infection and coming first the consideration of customer

approved an investment plan in Smart Vending Machines (SVM) of its subsidiary, Telemax Asia Corporation (100% held by FERRUM). The seller of those machines is A.E.I Export and Import who has no related to

1 Forth Smart Service Public Company Limited (FSMART) 2Q19 Management Discussion and Analysis Operational Summary in 2Q19  Net profit was Bt145mn, decreasing 3.4%YoY  Total revenue from core