, compiling, processing, storing and retrieving information related to obligation repayment and cautious delivery of the underlying goods (if any); (4) a system for custody of assets of service users by

information related to obligation repayment and cautious delivery of the underlying goods (if any); (4) a system for custody of assets of service users by applying the provisions under Paragraph 1 and 2 of

’ burden by reducing minimum payment for credit card and personal loan as well as providing a grace period and relief program in the first quarter of 2020. Moreover, the Company adopted a more cautious in

future employment prospects. These factors are causing customers to be cautious and delay spending related to home decoration or renovation. During the first nine months, the Company’s total revenues and

adverse economic situation led to a cautious consumer spending across customer segments. However, the Company expected total usage amount to continue to recover from 2nd quarter of this year. The Company

million baht or 5% y-y and q-q. This is the result of the COVID-19 pandemic situation and economic slowdown has made consumers more cautious on spending, resulting in decreasing of card spending. In

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

well as the decline in global oil prices; these circumstances did not decrease the price of consumer goods in the country and the public were cautious of spending. Consumption of goods and services have

to reap out benefit from being more focus (after SKU rationalization), having margin accretive new products launches and a cautious and active evaluation of advertising and promotional spending. In

rationalization), having margin accretive new products launches and a cautious and active evaluation of advertising and promotional spending. In overseas markets, total revenue from sales improved by THB 61.5