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

decrease of 43 million baht or 2% compared to 2015, and earning per share (EPS) of 9.61 baht per share. The operating performance is summarized as follows; Overview Overall, the Thai economy in 2016 expanded

of 618 million baht or 2.47 baht per share. The financial performance can be summarized as follows. Overview Overall, the Thai economy in the first quarter expanded by 3.3%, higher than 3.0% growth in

from credit card income grew by 18% y-y which corresponds to increasing in the volume of card spending and cash advance. Other income from bad debt recovery grew by 32% y-y. As at August 31, 2022, the

Company has net profit attributed to owners of the parent of 928 million baht or 3.71 baht per share. The financial performance can be summarized as follows. Overview Overall, the Thai economy in the first

revenues were 5,093 million baht, an increase of 553 million baht or 12% y-y. This is the result of an increase in credit card and personal loan incomes as well as bad debt recovery continue to improve. As

% Net profit for the period 692 -37.1% 3,553 3,815 7.4% 4,133 3,711 -10.2% Earnings Per Share (Baht per share) 2.77 -37.3% 14.21 15.26 7.4% 16.53 14.84 -10.2% 3 Sales and Revenues Structure for the fiscal

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

which the supporting factors still being the continuous recovery of the tourism sector, the private consumption and the private investment, while the headline inflation rate averaged of only 0.1%-1.1

the growth in sales of dessert cafés, which accounts for the largest share of revenue. The growth in sales of dessert cafés was mainly due to the improving COVID-19 situation and the recovery of