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

(Unit: Million Baht) Liabilities 30 Sep. 2020 % 30 Sep. 2019 % Bank overdrafts and short-term loan 143.15 13.13% 83.00 10% Trade and other payables 304.72 27.94% 210.54 25% Liabilities under financial

operation. (Unit: Million Baht) Liabilities 30 Sep. 2019 % 31 Dec. 2018 % Bank overdrafts and short-term loan 58.00 8% 10.00 2% Trade and other payables 140.89 19% 112.49 18% Liabilities under financial lease

Dec. 2019 % Bank overdrafts and short-term loan 113.00 10% 83.00 10% Trade and other payables 299.67 27% 210.54 25% Liabilities under financial lease agreement 278.31 25% 113.87 14% Long – term loan

30 June 2019 % 31 December 2018 % Bank overdrafts and short-term loan 40.00 5% 10.00 2% Trade and other payables 174.31 22% 112.49 18% Liabilities under financial lease agreement 102.54 13% 119.75 20

91.12 million due to an increase in short - term loan from financial institutions (promissory note) at the amount of Baht 182.96 million. As at 31 December 2017, the Company was failing to comply with the

assets and assets not used in operation. (Unit: Million Baht) Liabilities 30 June 2018 % 31 December 2017 % Bank overdrafts and short-term loan 43.59 7% 10.00 2% Trade and other payables 79.22 14% 82.25 16

transactions to cash, deferred income tax assets and assets not used in operation. (Unit: Million Baht) Liabilities 30 Sep. 2018 % 31 Dec. 2017 % Bank overdrafts and short-term loan 15.00 3% 10.00 2% Trade and

514 -8.7% -3.6% 4 1Q20 MD&A Advanced Info Service Plc. 1Q20 Financial Summary (Pre -TFRS 16) Revenue Total revenue reported Bt42,845mn, flat YoY and -12% QoQ resulted from global pandemic and continuous

financial liquidity and the cash flow for debt repayment and business operation, as the Company has continuous loss. Thus, the Company considers the business restructure of the Company’s group, whereby the