Official Account: @fnoutlet as well as other marketplaces e.g. Shopee, Lazada etc. Industry Overview In quarter 2/2020, the economic outlook has contracted resulted from the Coronavirus disease 2019 (COVID

(FSMART) 2Q17 Management Discussion and Analysis 2017 Management Outlook  The total number of 122,000 “Boonterm kiosk” covering nationwide  The total usage amount through “Boonterm kiosk” of Bt32,000mn

) 3Q17 Management Discussion and Analysis 2017 Management Outlook  The total number of 122,000 “Boonterm kiosk” covering nationwide  The total usage amount through “Boonterm kiosk” of Bt32,000mn  New

Smart Service Public Company Limited (FSMART) 3Q17 Management Discussion and Analysis 2017 Management Outlook  The total number of 122,000 “Boonterm kiosk” covering nationwide  The total usage amount

, which is expected to take place in the early of 2019. Thai Banking Industry Although the commercial banking system in Thailand is facing ongoing challenges from the economic environment, its lending and

by relying on consumers’ higher purchasing power. Moreover, retail players need to prepare for E-Commerce business which presents high growth lately. (Source : EIC Outlook Q2/2018) Performance Analysis

election, which is expected to take place early of 2019. Thai Banking Industry Although the commercial banking system in Thailand is facing challenges from an uncertain economic environment, its lending and

necessary items, decrease in spending frequency and low-price favorable from consumer and retailer must also rely on promotion and marketing campaign. (Source : 3Q18 BOT Economic Report/EIC Outlook quarter 4

monitoring given that general elections are expected to take place in early 2019. Thai Banking Industry The commercial banking system in Thailand continues to face challenges from an uncertain economic

2017/18 2018/19 Liquidity Ratios 31-Mar 2018 31-Mar 2019 Efficiency Ratios Leverage Ratios   MANAGEMENT OUTLOOK Advertising Payment Logistics