Wholesale Banking Strategy

STRATEGIC SHAREHOLDER SUPPORT Realizing Synergies between Permata Bank and Bangkok Bank Integration of Permata and BBI, 10th Largest Bank in Indonesia • Larger capital base to serve existing customers • 300 branches to provide full banking services to BBI customers Sharing of Corporate Banking Capabilities in Critical Areas • Transaction banking • Trade finance • Project finance о Leveraging Bangkok Bank's international network . Greater China, Japan and Thailand + Learning from each other in the key areas of consumer and SME banking • Branch network optimization . Mobile services Close collaboration in technology investment 20 20

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