1 Forth Smart Service Public Company Limited (FSMART) 1Q19 Management Discussion and Analysis Operational Summary in 1Q19 Net profit was Bt150mn, increasing 3.1% YoY Total revenue from core
first nine-months of 2022, the total consolidated revenues were 16,780 million baht, increasing of 1,183 million baht or 8% y-y. In the third quarter of 2022, the Company recorded revenue at 5,820 million
total turnovers with the revenue of 2,612 million baht, a decrease of 464 million baht or 15% y-y which was 52% of total revenues, mainly from a reduction in interest rate ceiling for personal loan by 3
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
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
from contraction of export sector as global consumer demand weakened. The tourism sector and private consumption grew at a slower pace. On the other hand, the personal loan of commercial banks 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
expansion due to ongoing recovery in private consumption and the tourism sector during the festive season, despite delayed government budget disbursement. Overall, AIS reported core service revenue of