“kreng jai,” which refers to Thais’ unique behaviors of refusing requests less, showing agreement more, challenging other people less, and avoiding confrontation more, communication in the Thai language
Card, AEON Royal Orchid Plus Platinum JCB Card and launched privileges and campaigns to AEON credit cardholders throughout the year. For example the campaign “AEON Happy Plan” which offering credit
from loans were 10,723 million baht, showing an increase of 1,150 million baht or 12% y-y. This is because the Company integrated credit limit of purpose loan and personal loan to AEON Happy Pay program
previous quarter. In August 2018, the Company launched an instant card for cash withdrawal service at our branches to facilitate customers and also launched “AEON Happy Pay”, which the customers were able to
advance or installment loans (AEON Happy Pay). Thus, the Company provides more channels to facilitate financial services to customers and reduce Company’s operation cost. Moreover, loan income from AEON
2019, loans revenue was 3,020 million baht, an increase of 381 million baht or 14% y-y. This is because the Company integrated credit limit of personal loan and purpose loan to AEON Happy Pay program in
Management Discussion and Analysis (MD&A) 2019 Page 1/8 Management Discussion and Analysis (MD&A) 2019 Overview and Factors Affecting Future Performance 2019 was considered a challenging year for the
322.5 Million Baht representing a 3.5% decrease in gross profit versus prior year due to a challenging US retail environment higher food costs, changing product mix and 2017 carry over benefit of $700K
1 2017 MD&A Advanced Info Service Plc. Executive Summary In 2017, mobile business improved from stronger 4G positioning amidst competitive environment. Competitive landscape remained challenging in
% decrease in gross profit versus prior year due to a challenging US retail environment higher food costs, changing product mix and 2017 carry over benefit of $700K from Japan perpetual license deal