255 million or 1.11 percent in net interest income, derived from rising interest income from investment. KBank maintained key financial ratios at levels consistent with our overall economic performance

recovery during the latter half of this year. In the second quarter, the Thai economy saw slower growth of 2.3 percent, compared to the 2.8 percent in the first quarter. Broadly speaking, the Thai economy

implemented in some areas and business activities contributed to economic recovery. Private consumption contracted in consistent with low purchasing power and confidence. Meanwhile, the tourism sector

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

appropriately and sufficiently in line with the number of clients and the transaction volume;  2)    Rectifying the client acceptance policy to be consistent with the work systems capable of providing services

the general public to believe that UMI shares were purchased or sold in great volume at that time which was not consistent with the normal market conditions on purpose to lure the general public to

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

to be insufficient for the provision of audit service to listed companies and potential fundraisers in the capital market that are expected to increase upon economic recovery. To address this issue

, household purchasing power saw limited recovery. Under these circumstances, the Thai economy in this quarter may grow at a slower pace of 3.2 percent over-year, which is also less than the 3.7 percent growth

imports of capital goods and raw materials. This was in line with the improving business sentiment and export recovery. The value of Thai exports for the first two months of 2021 fell by 1.2% yoy. Excluding