Let's take 193.10.1.5 as your IP address assigned to you.
Convert this to binary.
11000001.00001010.00000001.00000101 --> 193.10.1.5 in
binary
11111111.11111111.11111111.11100000 --> subnet mask
The subnet mask, as you have found, by adding 3 bits.
Have you learnt Logical AND function? If yes, apply it.
If no, here's how it works.
1 AND 1 is 1
1 AND 0 is 0
0 AND 0 is 0
0 AND 1 is 0
Now, apply this to the example I give. This will give the network
address.