Filing and Exemption from Filing of Registration Statement for Debt Securities Offering (No. 4)

Selling of Newly Issued Debt Securities and Derivative Warrants of Securities Issuer (codified)

Determination of Definitions in Notifications relating to Issuance and Offer for Sale of Debt Securities

bad debt recovery for the fiscal year 2021 were 1,423 million baht grew by 16% y-y and for the fourth quarter of 2021 were 404 million baht increased 6% q-q and 19% y-y respectively. Details of each

20220808-advanc-mdna-2q2022-en 2Q22 MD&A Advanced Info Service Plc. 1 Executive Summary Fading Covid-19 concerns drove 2Q22 economic recovery and AIS performance 2Q22 showed a continuous recovery in

increased by 9% y-y, especially in personal loan and hire purchase products as well as continued growth from bad debt recovery by 33% y-y. The revenue from overseas subsidiaries grew by 60% y-y as a result of

operating expenses to support the group’s business expansion was offset by the decrease in financing cost on lower borrowings and the debt recovery from the securities business receivable of Baht 16.06

or 3% from last year. The revenues growth came from an increase in credit card income and bad debt recovery. As of May 31, 2017, The Company has active billings of 3.42 million accounts per month with

Operating Debt to Equity (times) 0.39 0.54 0.80 (51)% 0.39 0.80 (51)% 1Consolidated financials are based upon elimination of intra-company (or intra-business segment) transactions 2Total of each segment may

level as the previous quarter. This was mainly contributed from an increase in credit card income by 14%, personal loan income by 15% and other incomes in bad debt recovery and collection service income