Financial Analysis Presentation

Loans under debt relief program remained under control Loans under Relief Program to Total Loans • THB billion 1,382 1,359 1,359 Jun-20 Full lockdown ~40% ~14% Jun-21 ~12% Sep-21 Partial lockdown Partial lockdown Automatic opt-in Non-Debt Relief Debt Relief (Included Debt Relief Exit) Note: Loans to customers excluded interbank loans tub In 3Q21, loans under debt relief program represented approximately 12% of total loan portfolio, slightly lower from 14% in 2Q21 and 40% during a full lockdown in Jun-20. • The QoQ decline was due mainly to the exits from commercial customers as the programs expired. The Bank did see an uptick in relief requests from retail customers due to the 3rd wave partial lockdown. However, the request traffic was much lower than the 1st wave in 2020 as the BoT's new/extended relief programs have set criteria for only eligible customers. In terms of debt relief portfolio quality, we consider our debt relief portfolio remains healthy as over 80% of debt-relief customers requested for light modified terms and are able to service their debts with full interest payment. Although Covid-19 will continue to be a threat to economic recovery, we see that a risk to our portfolio and B/S is limited. Firstly, we have small exposure in directly affected industries. Secondly, we have been prudent in providing assistants to potential customers and continue to de-risk weak loans. Lastly, we have been strict to our Guiding Principle of Post Relief Risk Schemes to evaluate customers' behavior and risk profile to ensure sufficient level of ECL. 4

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