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Investor Presentaiton

Card X: The most admired regional financial platform offering simplest and accessible experience for everyone Company rationale Independent company solely focused on unsecured consumer loans business, acting with autonomy, agility and speed Additional focus on mass/lower segment with new risk appetite to allow for new business models Build innovation and technology capability to solve for financial inclusion for segments previously ineligible Performance (Loans and market share) . • • • THB 120 billion 13% loan o/s 3.7+ million 2.7 million market share loan accounts credit cards • One of the largest consumer loan providers in the industry Target ROA and ROE of over 5% and 20%, respectively Aspiration for IPO in the next 3-5 years Siam Commercial Bank PCL. | Analyst Meeting Presentation | September 22, 2021 • • Business overview Market leader in credit card and personal loan business Providing seamless omni channel platform (digital and physical) with real time decision capability for KYC and instant approvals for consumer loans Card X Establishing ecosystems to gain footprint into target segment, utilize data to build customers persona providing relevant offerings to enhance customers experience Delivering innovative solutions and industry leading cost structure through state-of-the-art technology architecture Core competencies Fully digitized technology capability covering origination, onboarding, servicing, collection, and marketing Strong data capability with expertise in advanced risk analytics, credit scoring, underwriting, and product recommendations Pioneering in both preventive and collection capabilities using predictive data intelligence, real time monitoring, and collection technology (e.g. Autodialer and Voicebot) Page 19/27
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