in order to maintain liquidity and financial flexibility. The Company remains cautious on investment, while seeking various sources of working capital, along with effective control and management of
grows not much because the company has been cautious in lending to potential customers to pay back. In terms of debt collection, J Fintech maintains a relatively good debt collection rate. By collecting
, decreasing of 128 million baht or 2% q-q and 12% y-y. This is the result of the COVID-19 pandemic situation and economic slowdown has made consumers more cautious on spending, especially in cash loan products
minimum order due to the 2nd and 3rd waves of COVID-19’s breakouts since the beginning of 2021, which leads to less travel activities among Thai citizens who are more concerned and cautious about traveling
inflation risk is a key impact in raising cautious spending behavior and adversely influences low-mid income customers to turn to a cheaper package. AIS aims to lead with superior 5G user experience to
service excellence for our customers in all segments. • Mobile revenue remains under pressure – Heighten inflation risk is a key impact in raising cautious spending behavior and adversely influences low-mid
revenue remains under pressure – Heighten inflation risk is a key impact in raising cautious spending behavior and adversely influences low-mid income customers to turn to a cheaper package. AIS aims to
across broader range of businesses and wider geographical areas. Meanwhile, consumer loans expanded in all purposes, particularly auto loans. However, commercial banks remained cautious in lending as their
during the end of 2017 due to the Government Procurement and Supplies Management Act B.E. 2560 that is more stringent and resulted in government agencies becoming more cautious in spending. For domestic