installment payment with AEON Purpose Loan when purchasing electrical appliances. This new card will expand its credit card share. - Loans In the first quarter of 2017, loans shared 39% of total turnovers
periodically and quite frequently for the operators’ IT system improvement. The details of total revenue are as follows. 1) Income from rendering top-up service for prepaid phone and other online services
mainly due to reduction in input costs and improvement in Operational parameters through several Strategic Management Initiatives. The Current quarter EBITDA also includes one off expense on account of
had loan amount of Bt89mn. Business Overview In FY2019, FSMART (or the “Company”) is still the number 1 leader in online top-up kiosk business in both total transaction amount and the number of kiosks
personal loan revenues and higher bad debt recovery. In addition, in September the Company launched “AEON Thai Mobile Application” which is new financial innovation to meet lifestyle in digital era and
income on the other hand has decreased due to the fact that the company has stopped recognizing interest income on the loan to SGAH for conservative treatment since Q2 2019. Sales of automotive parts grew
year. However, the Company has concern about the maintaining gross profit margin, so that the marketing activities has been arranged to emphasize FN brand awareness with sales plan improvement and
% from the same period last year. This was because the loan provisions expense in subsidiary and employee remuneration from business expansion. Net Profit The Company’s net profit from consolidated
activities has been arranged with sales plan improvement and promotion efficiency spending. 3. Selling and administrative expenses Selling and administrative expenses for Y2019 was Baht 465.90 million which
revenue increase. As a result, gross margin improved to 33% in this quarter from 28% yoy. This improvement was contributed by the increase of social security payment rate and more revenue contribution from