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

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

the regions. Careful estimation for raw material purchasing and production cost management is seriously needed in order to cope with the more dynamic business environment. The raw material reference

Football Club Limited and English Football League, careful allocation of marketing and promotional budgets to spur growth through priority channels, strong push of product sampling experiences among the

trades, which is supported by our distinguishing position of official sponsor to Chelsea Football Club Limited and English Football League, careful allocation of marketing and promotional budgets to spur

steel industry participants in all the regions. Careful estimation for raw material purchasing and production cost management is seriously needed in order to cope with the more dynamic business

participants in all the regions. Careful estimation for raw material purchasing and production cost management is seriously needed in order to cope with the more dynamic business environment. The raw material