Wholesale Banking Strategy

STRATEGIC SHAREHOLDER SUPPORT we have grown to become one of the leading ASEAN bank m Resilient economy and banking sector 3.7% 5.0% YoY GDP growth By 2022 Strong fiscal position Scale and regional leadership One of the leading commercial bank in Thailand and Southeast Asia ~US$100Bn ~US$50Bn Government stimulus to aid economic recovery Daily new COVID-19 cases Total exports Largest international network among Thai banks 14 International Markets (6: Prudent risk management underpins strong asset quality Defensive portfolio Corporate leadership Consumer mostly in Mortgages Adequate provision 199% Highest NPL coverage ratio 8.9% Highest LLR to loan Full suite of financial services Sustainable profitability pported by diversified income stream BUALUANG SECURITIES BBLAM RG AKART MORNGEVENT BANGKOKLIFE ASSURANCE Leading securities, asset management businesses coupled with best-in-class life insurance partners Economic recovery THB973Bn 75% y-o-y growth FY21E corporate net profit on annualized basis PermataBank #10 Bank in Indonesia US$15Bn Total assets N300 Branches Proven resilience Manageable NPL Current NPL ratio of 3.7% Digital proposition r3. Distributed ledger technology for trade finance Mobile bankingm- Banking Cross-border QR payments Bualuang Ventures Corporate venture capital arm Healthy liquidity position and strong capital base Robust capital position 15.3% CET1 Ratio 19.7% CA CAR Strong liquidity ratios 81% Loan-to-Deposit Ratio 283% Liquidity Coverage Ratio Strong funding 89% Funding from deposits 58% CASA ratio 13

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