, the tourism sector and a recovery in exports due to an improvement in the economies of our trading partners. As a result there has been an increase in the purchasing power of consumers in major cities

normal debt (Normal + Xday) has an average of 96.1% in Q2/2020. This is the average close to the previous quarter of 2019. As for debt collection that has been written-off (Bad Debt Recovery) in the second

lockdown in Thailand was lifted and business activities resumed in this quarter. However, economic recovery remained vulnerable as service sector continued to be impacted by the absence of foreign tourists

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

from credit card income grew by 18% y-y which corresponds to increasing in the volume of card spending and cash advance. Other income from bad debt recovery grew by 32% y-y. As at August 31, 2022, the

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improvements from inflation benefiting from a recovery trend in the tourism sector, despite the arrivals remaining slower than expected. Mobile industry was affected by the softened local economic activities

were 907 million baht and 1,640 million baht respectively. It comprised of an increase in bad debt recovery income to 892 million baht or an increase of 12 percent from the same period last year. It

our key products and strong margins, even carrying forward into the second quarter, driven at first by recovery in China. Global inventory levels are tight and combined with supply chain shocks are

signs of recovery especially in 4Q17 as evident by the more broad-based recovery from the external sectors to the domestic sectors. With exports registering a growth of 10.0% for the first 11 months of