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Investor Presentaiton

SCB Securities: Aspires to be ASEAN's trusted leader in investment and digital assets services • Company rationale Consumer behavior shifting towards self-directed channel, hence opportunity to digitally transform to improve productivity, drive down cost and enhance profitability Investment penetration in Thailand is still low despite a high penetration of financial services Rise of middle income in ASEAN, creating ample growth opportunities Profitable business with ROE >20% Performance (Digital Platform) EASY Invest - Monthly Average User (in thousand users) 150 100 50 100,000+ monthly users 0 Sep- 19 Dec- 19 Mar- 20 Jun- 20 Sep- 20 Dec- 20 Mar- 21 Jun- 21 . SCB Securities ● . • • • Business overview SCBS is one of the top 3 broker in term of revenue growth and net profit margin, due to its digital-first strategy SCBS is the leading broker in term of new customer sign up, (~50% of total market) through its digital platform, with over 500,000 digital customer as at 1H21 Moreover, SCBS is one of the first traditional financial institution to venture into Digital Assets space for its DA broker, exchange, and ICO portal businesses. Capital market growth remains strong despite COVID-19, with Digital Assets as new emerging business opportunities Core competencies Large digital customer base across all segments (e.g., HNW, affluent, mass retail) Full services and complete suite of investment product offerings (e.g., multiple asset classes, onshore, offshore) Strong tech capabilities, including data analytics, Al, blockchain (leveraging from SCB 10X) Global access to tech and digital asset ecosystem in both CeFi and DeFi space (leveraging from SCB 10X) Siam Commercial Bank PCL. | Analyst Meeting Presentation | September 22, 2021 Page 20/27
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