Investor Presentaiton

Leveraging Strength from Group Structure Group Structure Post-EBT tub ทีเอ็มบีธนชาต TMBThanachart Subsidiary Companies Associated Companies 100% 49% Phahonyothin Asset Management (PAMCO) Thanachart Fund Eastspring (TFUND) 100% Thanachart Broker (TBROKE) 35% TMBAM Eastspring (TMBAM) tub • • The current TTB's group structure is well-balanced and reflects our strategic direction of gearing toward retail banking space. While TBROKE, TMBAM Eastspring and TFUND are support businesses to the good bank side, PAMCO has an important role in managing distressed assets for the bad bank area. Under the prolonged Covid-19 situation and weakening economy, TTB will continue to leverage our core strengths to seek for opportunities to sustain shareholder returns. In our pipeline, we have initiatives both at the Bank level and group level to improve margin as well as to preserve asset values from the deterioration of asset quality across banking industry. • As bad asset management has become increasingly important and activities in this market are growing, PAMCO has planned to issue debentures to support TTB's NPL strategy as well as to capture future business potentials in this area. • The benefit of low cost funding at a subsidiary level will pass on to TTB's consolidated picture and help improve funding strategy as a whole. • PAMCO's bond is expected to be issued in 3Q21. 8

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