baht or 1% y-y but increased 1% q-q. However, the Company has focused on customer base expansion by increasing credit card benefits. For example, “AEON Gift 2020” campaign, AEON credit cardholders

1 Forth Smart Service Public Company Limited (FSMART) 3Q2020 Management Discussion and Analysis Operational Summary in 3Q20 (recovered from Covid-19 pandemic)  Net profit was Bt123mn, increasing

, the Company has generated the proportion of net profit to total revenue increasing which equivalent to 3.04 percent when comparing to the last year valued 2 percent that meant the Company could manage

28, 2019, the Company’s total cards reached 8.52 million cards, increasing by 5% from last year, including 2.62 million credit cards increased by 1% y-y and 5.90 million member cards increased 4% y-y

continued to decline. As of May 31, 2017, the Company’s total cards reached 7.87 million cards (including 2.40 million credit cards and 5.47 million member cards), net increasing by 59,000 cards from February

expansion is still subjected to the rising cost of living, in which the inflation rate in 4Q/2022 reached 5.8%, the household debt ratio is considered high amid the increasing trend of interest burden but

continues to grow. As a result, the total usage amount in 2017 has increased to Bt36,174mn which was more than the company forecasted of Bt30, 0 0 0 mn or an increase of 5 4.7% YoY. The increasing number of

for the first half year of 2018 of company’s subsidiaries in Thailand, the Company had commission income of 252 million baht, increasing by 4% y-y from AEON Insurance Service (Thailand) Co., Ltd. and

increase derived from the domestic sales increasing 10.85 percent. For the year 2018, the proportion of domestic sales was 53 percent of total revenue from sale. In addition, other incomes also increased

phone and etc. in oversea business, with the revenues of 320 million baht, increasing by 69% y-y and hire purchase sales from overseas business grew by 31% y-y, especially from business in Cambodia grew