Investor Presentaiton

Digital Ventures: We help banks to become disruptors rather than being disrupted. Digital Ventures • Company rationale Technology platforms will dominate the future. Banks recognize the need to change but unable to do so because of the lack of depth in technologies. We are striving to create platforms that will transform the industry leveraging latest technologies. Performance • о Business overview Spun out from SCB in January 2020 Launched three products: Blockchain for Procure to Pay (B2P) - Enable productivity gains for banks' customers and control risk for supply chain lending associated with both PO & invoices PayZave - Enable trade discount between buyers and sellers bypassing banks traditional lending MeTang - Enable early employee's early salary withdrawals & control risk by tight integration with payroll systems Core competencies o Technology innovation B2P Onboarded 15,000+ companies in less than 2 years, generated lending opportunities approximately 5% of payment PayZave - Onboarded 8,000+ companies in 5 months MeTang - Generated fees equivalent to double digit net interest margin with zero bad debt in the highest risk blue collar segment Blockchain & Distributed ledger technologies 。 Complex system implementation 。 Supply chain management Business process reengineering Siam Commercial Bank PCL. | Analyst Meeting Presentation | September 22, 2021 Page 23/27

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