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increased by 5% y-y, mainly due to the continual increase in credit card spending through online channels and marketing with business partners. In the first quarter of 2023, online credit card spending shared
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the leader of online top-up machine market both in terms of total usage amount and the number of kiosks, covering all area nationwide. The Company's strategy continues to emphasize on efficient location
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
cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of
, reaching 89.6% of GDP in the second quarter of 2024. This continues to pressure the growth of personal loans, particularly unsecured loans offered by both commercial banks and non-bank financial institutions
than last year. Credit Card receivable was 418,747 million baht, with the growth of 6% from the same period last year. For personal loan industry, the numbers of account of personal loan under
expanding more online service channels to customers and reduced the Company’s operation cost. As a result, the Cardless transactions currently accounted for 30% of total personal loan sales. 52% 30% 5% 13