) accelerating from 2.5% in the last quarter which was in line with relaxation of the COVID-19 situation. In addition, the supporting factors were the recovery of tourism and the continuously expanded both of
items of durable goods. The Thai GDP in this quarter posted its over-year growth of 3.7 percent, higher than the 3.3 percent in the first quarter. However, the economic rebound during the second half of
recovery of economic activity and domestic consumption. In order that, the unemployment rate at 1.9% in the 3rd quarter of 2020 slightly decreased from the previous quarter and a higher level of household
20221103-ADVANC-MDA-3Q22-EN Classification: Internal 3Q22 MD&A Advanced Info Service Plc. 1 Executive Summary 3Q22 Thai economy continued a slow recovery from rising inflation. Consumer purchasing
credit card income and bad debt recovery as well as debt collection service. As of August 31, 2017, Company has active billings of 3.4 million transaction per month and 2.2 million IDs which came from
remained sluggish while the new phase of outbreaks re-emerging in Dec-20 posed further challenges on economic recovery. Despite some positive development in subscriber base in 4Q20, pricing remained the key
%, personal loan income at 6%, bad debt recovery at 21% as well as the growth of subsidiaries in Thailand and overseas by 15%. This is because the Company has continued launching new marketing campaigns
increased by 9% y-y, especially in personal loan and hire purchase products as well as continued growth from bad debt recovery by 33% y-y. The revenue from overseas subsidiaries grew by 60% y-y as a result of