Investor Presentaiton

Maintaining loan quality portfolio against a resurgence of Covid-19 Total Loan tub -1.6% QoQ -2.5% YTD 1,393 bn Others Retail Credit Card 1,380 bn 1% 1% 1,359 bn 1% Retail Personal Loan 2% 2% 20 2% 2% 29% Retail HP 29% 30% Used Car 18% New Car 68% CYC 14% CYB 0.1% Retail Mortgage 22% 22% 22% Small Enterprise 7% 7% 7% Breakdown Retail HP 400 bn Corporate 37% Dec-20 37% 36% Mar-21 Jun-21 • • . Optimizing loan mix remains the Bank's long-term strategy. However, due to challenging environment, TTB has selectively grown new loans to preserve quality of the portfolio. As a result, total loans as of Jun-21 dropped -1.6% QoQ and -2.5% YTD. ■ Commercial loans declined -3.0% QoQ and -4.5% YTD mainly from short-term government loan's repayment while trade finance regained its growth momentum as export and import sector recovered. ■ Retail loans slightly dropped -0.4% QoQ and -0.9% YTD mainly from repayment of unsecured loans and HP port but mortgage loan maintained its moderate growth. Current loan structure is well-diversified. Of total loans, 57% was retail segment, of which around 91% is collateralized loans and the rest of 43% was commercial loans. 18

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