2022 Performance and Synergy Realization

⑪1 Ongoing migration of low-value transaction to digital channels for better customer experience while achieving lower cost-to-serve $ Digital's share of financial transactions >80% tub Cost-to-serve comparison ~10x ~10x ttb Touch Call center Branch Note: data as of 4Q22; growth is calculated since new ttb launch in May'22 Digital's share of non-financial transactions <20% $ = Passbook/fund book request 0.9mn (+35% growth) 齐齐齐 BO Financial statement request Application status tracking 0.7mn (+76% growth) 1.4mn (+176% growth) 13

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