Attachment 3: Details of heads of internal audit and compliance units Attachment 4: Details of asset appraisal Part 1 Business Operation 1. Policy and business overview Provide an overview on the background

. Most of provincial branches have been opened in HomePro. The bank allied with Home Product Center Public Company Limited to expand branches in all provinces where HomePro located. The bank’s branch

have been opened in HomePro. The bank allied with Home Product Center Public Company Limited to expand branches in all provinces where HomePro located. The bank’s branch expansion strategy is to have

Equity (%) 15.32% 17.67% 23.26% Return on Assets (%) 10.66% 12.25% 16.37% Return on fixed assets (%) 89.99% 116.94% 161.08% Asset turnover times 1.09 1.06 1.17 Financial Policy Ratios Debt to Equity times

-TH MRF จะตอ้งมีคุณสมบติัเป็นไปตามหลกัเกณฑท่ี์ก าหนด เช่น - CIS operator อยู ่ภ าย ใต ก้ ารก าก บัด ูแล ของ Securities and Futures Commission of Hong Kong (“SFC”) ซ่ึงเป็นหน่วยงานก ากบัดูแลหลกั (“home

Average Payable Period (Days) 17 17 Cash Cycle (Days) 45 48 Total Debt to Equity Ratio (Times) 0.54 0.51 Interest Coverage Ratio (Times) 85.99 73.26 Debt Service Coverage Ratio (Times) 21.20 6.55 (3) Asset

of the Company in Group of Hypermarkets such as Tesco Lotus, Big C, Home Pro, etc. are needed to close their shops according to the Government’s rule. Moreover, the decrease of sales revenue

Metropolis building in January 2020 with a plan to dispose the asset to SPRIME in a due period. Even though, 27% declined in 1Q2020 total revenue compared with 1Q2019 mainly attributed to negative impact from

also contributed to the total asset, most of which were an increase in the payment of the remaining construction fee and equipment of Kasemrad International Hospital Aranyaprathet, assets under

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