potential economic uncertainties, KBank emphasizes predictive integrated risk management (IRM) through the establishment of comprehensive risk management principles and policies, a risk-aware culture Bank
maintain as the leader of online top-up machines market, both in terms of number of kiosks and total usage amount. The Company emphasizes efficient Boonterm kiosk spot. In 1Q18, the Company has installed 5
service (e-KYC) Expanding 2 new businesses: Personal Loan/Nano Finance and the service station for charging/replacing battery for electric motorcycle The company emphasizes the efficiency of Boonterm
emphasizes on encouraging customers to be aware of water quality and new technology of water system, and innovative of disinfection for food and beverages industrial, through the seminars in including taking
leader of online top-up machines market, both in terms of number of kiosks and total usage amount. The Company emphasizes efficient Boonterm kiosk spot as well as launches marketing promotion through the
THB. Financial structure The Company emphasizes the importance of efficient management of financial structure to be flexible in time of economic fluctuations and maintain the financial costs to be
NORMAL. The Company also emphasizes on efficient operation excellence in all business units and employs strict cash management to ensure short- and long- term liquidity. Furthermore, Company continues to
business. 6 Forth Smart Service Public Company Limited (FSMART) 3Q2020 Management Discussion and Analysis Vending Machine & Distribution Business FSMART emphasizes on efficient location management of vending
2019, therefore, the Company and subsidiary companies have to increase the reserve for staff benefit by 32.96 million THB. Financial Structure The Company emphasizes the effectiveness of financial