2022 Performance and Synergy Realization

Sound Capital and Liquidity Position Robust liquidity position with high LCR and top tier capital ratios among D-SIBS LCR Ratio BoT's Minimum Requirement LDR + Borrowings ■LCR Net Liquid Asset LDR LDR+Borrowing Capital Ratios 102.5% 101.5% 16.3% 100.4% 188% 187% 99.8% 184%* 98.3% 15.7% 172% 174% 97.5% 95.7% 96.3% 95.1% 94.3% 100% Unit: THB Bn 272 300 304 281 331 CET 1 Minimum Requirement TIER 1 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Dec-21 Mar-22 Jun-22 Sep-22 Dec-22 Dec-22 Net Liquid Asset Definition: Note: Preliminary numbers 8.0% 9.5% Minimum Requirement CAR Cash + Interbank Asset + Investment - Interbank liab. Top priority has always ensured strong funding and healthy liquidity position. In the preparation for rising rate environment, the Bank pre-funded balance sheets in order to efficiently manage deposit cost in the rising rate cycle as well as to have a stable funding source and maintain high liquidity position, indicated by high level of LCR which is well above the BOT's minimum requirement at 100%. Our LDR+Borrowings ratio also reflectes our highly-liquid position and well-diversified funding. As of Dec-22, capital buffer remains robust with the 3rd highest CAR among peers* Note: * Preliminary data. Official LCR as of Dec-22 will be reported to BOT end of Jan-23 Ranking based on 3Q22 performance 32 20.0% Minimum Requirement 12.0% Utb

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