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
million baht or 5% y-y and q-q. This is the result of the COVID-19 pandemic situation and economic slowdown has made consumers more cautious on spending, resulting in decreasing of card spending. In
credit card by 2%, which effective in 1st August 2020 and decreasing of credit card spending due to the impact of the COVID-19 pandemic. However, credit card revenue was 30% of total revenues. For overseas
increase of 467 million baht or 4% y-y. For the third quarter of 2017, revenues amounted to 4,677 million baht, increasing by 317 million baht or 7% y-y and 3% q-q, due to an increase in credit card and
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
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