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
banks will continue to focus on managing loan quality. However, with a relatively high level of capital and the regular setting aside of additional provisions, commercial banks will be able to handle
considered as a normal level for the business at the beginning stage launching new products into the market which requires high spending. 4. Financial Position of the Company and its Subsidiaries (Unit: Baht
percent of gross NPL to total loans. However, the level of capital reserves and loan loss reserves remained high and adequate to absorb future NPL in the banking system. At the end of 2019, the total
and lower than average level by about 5% in August. The average water in the reservoirs in Chonburi and Rayong were 55% and 68% of total capacity respectively. Water Volume (Million Cu.M) Chonburi
ratio of gross non-performing loan (NPL) to total loans was at 2.9 percent, the same level as at the end of 2018. The Bank of Thailand’s Senior Loan Officer Survey indicated that in the first quarter of
factors that continued to occur since the previous year, such as the production of new high-technology products, an increase in the cost of goods sold resulting from a continuously high cost of raw
due to the high fiscal base effect in the same period last of year that have accelerated disbursement after the budget Act for the year 2020 was delayed, it remained at a high level. In Q1–2021, the
due to the high fiscal base effect in the same period last of year that have accelerated disbursement after the budget Act for the year 2020 was delayed, it remained at a high level. In Q1–2021, the
even further in the performance. Personal Loan Business J Fintech Co., Ltd, engages in personal loan business, improve its lending policy toward more high quality customer and attempt very hard on debt