3. the risk of the operation was not targeted.By the nature of the retail business to open many branches. Make the high investment required, especially in the initial phase. If the operation did not go as planned, will make a number of bad TH. However, the company has done extensive business education and has an action plan in advance as well as keep track of the performance very closely to the situation quickly, the IFA has done an analysis of the possible negative cases. (Pessimestic Scenario) by hypothesized DD branch opened more slowly than defined by open due to 174 branches in the year 2564 (2021) results it appears that a fair value equal to 18.66 baht per share, and an internal rate of return (IRR) is equal to 14 per cent, although fewer than the normal cases, but it continues to be positive.
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