cardless cashing totally online shopping increased around 2 times and cardless cashing share more than 30% of total personal loans. Moreover, our revenue from bad debt recovery growing by 11% y-y. Details of

revenue from bad debt recovery continued growing by 18% y-y and the revenue from overseas subsidiaries grew by 10% y-y. Details of each business can be described as follows: Profit and Loss Statement

revenue from bad debt recovery continued growing by 18% y-y and the revenue from overseas subsidiaries grew by 10% y-y. Details of each business can be described as follows: Profit and Loss Statement

be consistent with consumer’s behavior. Moreover, our revenue from bad debt recovery continued growing by 31% y-y. Details of each business can be described as follows: Profit and Loss Statement

revenue from bad debt recovery continued growing by 19% y-y and the revenue from overseas subsidiaries grew by 18% y-y. Details of each business can be described as follows: Profit and Loss Statement

ideas and deepen cooperation on how to reshape our financial and capital market in a post-COVID-19 world. Overview of the Asia economy amidst COVID-19 and recovery As you are all aware, the COVID-19

million (related transactions eliminated), accounted for 42.11% of the total increase in revenue. The local subsidiaries gained advantage from the recovery of the automotive industry in Thailand, resulting

20220808-advanc-mdna-2q2022-en 2Q22 MD&A Advanced Info Service Plc. 1 Executive Summary Fading Covid-19 concerns drove 2Q22 economic recovery and AIS performance 2Q22 showed a continuous recovery in

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

promotional activities, along with its proactive business of Hinoya Curry shops from Japan and the recovery of Chinese tourists with a growth of 4 percent from that of the previous year. International sales