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
guidance documents for determining the emissions upgrade requirement. For more information on the Climate Bonds Initiative and the Climate Bonds Standard & Certification Scheme, see https
%, 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
revenue of THB 497.71 million, increasing THB 125.91 million, or 33.87%, from the same six-month period in 2016. The increase in revenue is mainly due to the recovery in the Hard Disk Drive industry, which
personal loan revenues and higher bad debt recovery. In addition, in September the Company launched “AEON Thai Mobile Application” which is new financial innovation to meet lifestyle in digital era and
recovery. According to the Bank of Thailand data, at the end of December 2018, the credit card industry reported the total numbers of credit card industry amounted to 22.1 million cards, has grown by 9% more