the COVID-19 pandemic. This can be categorized by business type as follows: credit card receivable of 36,088 million baht, decreasing by 2% y-y; loans receivable of 45,332 million baht, decreased by 6

August 2020 and decreasing of credit card spending due to the impact of the COVID-19 pandemic. However, credit card revenue was 31% of total revenues. In this quarter, the Company launched the promotion

1 Forth Smart Service Public Company Limited (FSMART) 3Q19 Management Discussion and Analysis Operational Summary in 3Q19  Net profit was Bt144mn, decreasing 1.1% YoY.  Total revenue from core

credit card income and bad debt recovery as well as debt collection service. As of August 31, 2017, Company has active billings of 3.4 million transaction per month and 2.2 million IDs which came from

February 28, 2022, the total consolidated revenues were 20,791 million baht, decreasing of 510 million baht or 2% y-y. The decreased in revenues was a result of overseas operating result that were affected

of the fiscal year of 2022, the Company has total sales (turnover) increase by 23.4% y-y, with the focus on credit card business, as a result of new product launching in accordance to the

consolidated revenues were 15,597 million baht, decreasing of 700 million baht or 4% y-y. The decreased income was a result of the Bank of Thailand cut the ceiling rates of interest rates on credit card from 18

, increasing 0.2% YoY, which is all-time highest number.  Total revenue from core business was Bt3,147mn, decreasing 5.7% YoY.  Number of “Boonterm kiosk” was 130,481, increasing 0.3% YoY.  Banking agent

first nine-months of 2020, the total consolidated revenues were 16,297 million baht, decreasing of 839 million baht or 5% y-y. In the 3rd quarter of 2020, the Company’s revenues were 5,257 million baht

from the total usage amount that increased in line with the increasing number of kiosks and new services but decreasing 2.8% QoQ, due to the kiosks relocation scheme and the impact of seasonal factor. 2