Investor Presentaiton

The 3rd wave disrupting retail fees recovery path Breakdown Strategic Fee Products THB million (Prelim data) +8% YoY 270 +8% YoY 250 803 -7% YoY 110 746 119 +55% YoY LG fee 1,536 132 990 TF and FX fee 135 383 3.13 55 Loan-related fee +4% QoQ, +4% YoY 131 43 137 +10% QoQ, +46% YoY 280 704 1,088 420 Mutual fund fee 132 287 53 55 560 447 Flat QoQ, +27% YoY -59% QoQ, +33% YoY Bancassurance fee 336 2,603 2,612 Flat YoY 1,514 1,388 1,044 1,083 1,224 -12% QoQ, +17% YoY 2Q20 3Q20 4Q20 1Q21 2Q21 1H20 1H21 tub • The QoQ reduction in net fee was due to; ■ Retail fees declined mainly from mutual fund and bancassurance sales due to slowdown business activities during the 3rd wave of Covid-19. ■ Commercial fees maintained growth momentum, supported by credit-related fee and trade finance as export & import activities showed a recovery sign. The YoY improvement was mainly from higher business activities compared to full lockdown last year. ⚫ 1H21 fee growth was mainly from mutual fund fee from high fee investment volumes at the beginning of the year. In this quarter, we relaunched new TSP (TTB smart portfolio), offering even better solutions than before. This is our aspiration to continue to develop our fee-base product and service with an aim to build sustainable fee base for the long run. 25

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