Thanachart One Report 2021 - EN

Managing the Impact on Stakeholders in the Value Chain of Business The Value Chain of Business Business operations of Thanachart Group both directly and indirectly affect their stakeholders. Therefore, in order to create opportunities and mitigate the impact of their business activities, Thanachart Group has prepared an analysis of the value chain of their business, with a view to explaining the nature of the Group’s business activities as follows: Product Design and Development: The Group also provides Non-performing Asset management including efficient and transparent management of investment. 2. Operation 1. Input Management 3. Distribution of Goods and Services Hire purchase loans through subsidiary’s channels Secured lending through direct sale Underwriting through partner channels Telesales services Social media services Online services via application Securities marketing Securities analysis Marketing Events Announcement of asset sale on the website of Thanachart Group Investment Analysis Lending in terms of Hire Purchase and Asset-based Financing Underwriting Insurance/ Life Insurance Securities Trading Distressed Asset Management Investment Financial Consulting Financing: Thanachart Group’s capital structure consists of whereas the funding source of the Insurance/Life Insurance Business will be primarily in the form of premium. Liabilities Equity Thanachart Group designs and develops financial and insurance products suitable for the target audience. 56-1 One Report / Annual Report 2021 Thanachart Capital Publ ic Company Limited 75

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