accommodate domestic economic activity, which is continuing along a stable recovery path. 1.2 Banking Industry, Competition and Emerging Risks Banking Industry and Competition Commercial banks’ overall
outbreak, especially on export, tourism and industrial sector. However, economic recovery has been high uncertain from new wave of the COVID-19 pandemic since December 2020. As a result, the domestic tourism
outbreak, especially on export, tourism and industrial sector. However, economic recovery has been high uncertain from new wave of the COVID-19 pandemic since December 2020. As a result, the domestic tourism
%, personal loan income at 6%, bad debt recovery at 21% as well as the growth of subsidiaries in Thailand and overseas by 15%. This is because the Company has continued launching new marketing campaigns
recovery. According to the Bank of Thailand data, at the end of December 2018, the credit card industry reported the total numbers of credit card industry amounted to 22.1 million cards, has grown by 9% more
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
eating-out and having desserts. The increase was also due to the growth in the number of branches and the recovery of incoming tourists. R E V E N U E : • The Company’s Gross Profit in Q3/2022 and 9M/2022
or 3% from last year. The revenues growth came from an increase in credit card income and bad debt recovery. As of May 31, 2017, The Company has active billings of 3.42 million accounts per month with
bad debt recovery for the fiscal year 2021 were 1,423 million baht grew by 16% y-y and for the fourth quarter of 2021 were 404 million baht increased 6% q-q and 19% y-y respectively. Details of each
recovery of the tourism sector and the return of foreign tourists. However, economic expansion remains at risk from the impact of higher cost of living on households and headline inflation tends to rise