20230208-ADVANC-MDA-4Q22-EN Classification: Internal FY22 MD&A Advanced Info Service Plc. 1 Executive Summary Maintaining growth in core products amid cautious economic recovery 2022 displayed an
profit was Bt104.3mn, decreasing 28.2% YoY • Total revenue from core business was Bt667mn, decreasing 17.1% • Banking agent business (of which the Company is the agent for 6 commercial banks: KTB, KANK
18.3% QoQ. Total revenue from core business was Bt735mn, increasing 10.2% QoQ. Banking agent business (of which the Company is the agent for 6 commercial banks: KTB, KANK, BAY, GSB, BAAC, and SCB
35.06% Gross Profit Margin (%) 12.08% 10.15% 1.93% SG&A expenses 390 389 1 0.15% EBIT before share of profit (loss) from investment in associates and joint venture 438 398 40 10.04% Share of profit (loss
Margin (%) 12.6% 11.1% 1.5% SG&A expenses 458 392 66 16.8% Loss on exchange rate 35 4 32 904.4% EBIT before share of profit (loss) from investment in associates and joint venture 604 435 169 38.9% Share of
blueprint is the result of thorough analysis and re-adjustment of focus. Each issue will be explored to the core with stakeholders? interest in mind to ensure right-to-the-point, effective problem solving
ค่าเส่ือมราคาและค่าตัดจ าหน่าย (Core EBITDA) คือ ก าไรรวมก่อนหักดอกเบีย้ ภาษีเงินได้ค่าเส่ือมราคาและค่าตดัจ าหน่าย (Consolidated EBITDA) หักก าไร (ขาดทุน) จากสินค้าคงเหลือ ก าไรหลักต่อหุ้น คือ ก าไรต่อ
relevant to its core or non-core businesses upon conditions that they have an apparent outsourcing policy, measures, criteria, and service provider control system. Outsourcing however does not discharge
enterprise This quarter, AIS announced a joint venture with SCB, a listed leading bank, for digital lending business with an investment of Bt300mn in the ‘AISCB’ JV. The JV is expected to start service in 1Q22