recovery, which was 1,230 million baht or 6% of total revenues, gain on sales of written- off receivables was 250 million baht or 1% of total revenues, collection service income was 246 million baht or 1% of

signs of recovery in many areas, factors that still need to be monitored include 1) the continuing trade tensions between the US and trading partners, particularly China which may impose risks to the

) and service sector from tourism related. Non-durable and semi-durable goods also showing signs of recovery supported by the increase in farm incomes. Meanwhile, private investment also started to

was no cost in Q3 2020. Gain on foreign currency exchange rate was at Baht 107.86 million in Q3 2021, compared to a gain of Baht 52.11 million in Q3 2020, caused by depreciation of Thai Baht. Gain on

% Net profit (loss) Attributable to Equity Holders Margin (%) 3.1% 6.4% -3.3% Net profit (loss) attributable to equity holders (Exclude Gain (Loss) on exchange rate) 212.1 431.7 -219.6 -50.9% Net profit

2,888 million baht or 14% of total revenues, showing an increase of 174 million baht or 6% y-y. Other revenues consist of bad debt recovery, which was 1,423 million baht or 7% of total revenues, gain on

of bad debt recovery, which was 385 million baht or 7% of total revenues, gain on sales of written-off receivables was 105 million baht, collection service income was 56 million baht, insurance broker

comprising of bad debt recovery amounted to 796 million baht, increased 25%, shared 7% of total revenues, Insurance broker business income totaled 341 million baht, shared 3% of total revenues, gain on sales

imports of capital goods and raw materials. This was in line with the improving business sentiment and export recovery. The value of Thai exports for the first two months of 2021 fell by 1.2% yoy. Excluding

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