Wholesale Banking Strategy

STRATEGIC SHAREHOLDER SUPPORT #1 Corporate Bank in Thailand Leading corporate banking franchise in Thailand corporate Strong, longstanding lending relationships, serving a large percentage of listed companies in Thailand Strong liquidity, capital base, and international network helps customers capitalize on opportunities beyond national boundaries Corporate customers serviced from head office by executives and relationship managers with in-depth knowledge and industry qualifications Bangkok Bank well-positioned to benefit from increase in corporate loan demand as the economy recovers from the COVID-19 pandemic: • Restart of large mega-projects and planned public investments into infrastructure and regional integration (e.g. EEC) • Strong recovery in exports, a key focus area for existing corporate customers • Outbound growth from large Indonesian corporates, leveraging Permata Largest exposure to corporate and lowest exposure to SME and retail among peers As of September 2021 3% 12% 6% 29% 40% 46% 48% 15% 56% 13% 26% 33% 18% 16% 8% 20% 41% 35% 36% 37% 36% 27% /2 BBL Bank 1 Bank 2 Bank 3 Bank 4 Bank 5 Corporate Retail International SME Commercial Government/1 Others Business Note: /1 Includes state enterprises /2 Data as of June 2021 15

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