million baht or 5% y-y and q-q. This is the result of the COVID-19 pandemic situation and economic slowdown has made consumers more cautious on spending, resulting in decreasing of card spending. In
inflationary situation of the country's economy, causing the consumer purchasing power to decrease, together with the concerns of users about future inflation. As a result, users were more cautious in their
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
ADVANC MD&A - EN 2Q24 MD&A Advanced Info Service Plc. 1 Executive Summary Maintain core business growth with the consistently increasing demand for connectivity 2Q24, the Thai economy showed cautious
well as the decline in global oil prices; these circumstances did not decrease the price of consumer goods in the country and the public were cautious of spending. Consumption of goods and services have
to reap out benefit from being more focus (after SKU rationalization), having margin accretive new products launches and a cautious and active evaluation of advertising and promotional spending. In
rationalization), having margin accretive new products launches and a cautious and active evaluation of advertising and promotional spending. In overseas markets, total revenue from sales improved by THB 61.5
in order to maintain liquidity and financial flexibility. The Company remains cautious on investment, while seeking various sources of working capital, along with effective control and management of
grows not much because the company has been cautious in lending to potential customers to pay back. In terms of debt collection, J Fintech maintains a relatively good debt collection rate. By collecting