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

grow its transaction number by 40-45% from the previous year’s. Furthermore, the Company will develop its Boonterm kiosk to be a one-stop financial service point, i.e. cash deposit, money withdrawal

its Boonterm kiosk to be a one-stop financial service point, i.e. cash deposit, money withdrawal, money transfer, payment, and new account opening with electronic-Know-Your-Customer (e- KYC) and

to be a one-stop financial service kiosk, i.e. cash deposit, money withdrawal, money transfer, payment, and new account opening. • Expanding lending (PL Loan) business for Boonterm kiosk’s Master

medical service concerning healthcare and esthetics due to temporary stop operation because of Coronavirus disease (COVID-19). 3.2 Gross Profit The Group's gross profit was decreased from the same period of

business.  Developing Boonterm kiosk to be a one-stop financial service kiosk, i.e. cash deposit, money withdrawal, money transfer, payment, and new account opening.  Expanding lending (PL Loan) business

managing potential risks from service provision; (c) having a work procedure and an internal control system with details covering the operation as specified in Clause 4. In this regard, the applicant for a

potential risks from service provision; (c) having a work procedure and an internal control system with details covering the operation as specified in Clause 4. In this regard, the applicant for a license

borrower in accordance with the rule under Clause 9, and to process and report data on level of risks incurred in securities borrowing and lending to its executives in accordance with its internal guidelines

Clause 9, and to process and report data on level of risks incurred in securities borrowing and lending to its executives in accordance with its internal guidelines on internal control and risk management