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Investor Presentaiton

Stronger Fundamentals Facing the Headwinds 1998 Inflation Rate (%) Inflation controlled within the target range 2008 12.1 2020 1.68 (yoy) 82.4 1998 Non-Performing Loan/NPL (%) NPL level (gross) is below the maximum threshold of 5% 30 2008 3.8 Nov 2020 3.18 05 10 15 20 20 External Debt (Public & Private) to FX Reserve Ratio Significantly lower than 1998 crisis 25 30 30 35 40 Foreign Reserves (USD bn) Significantly higher than 1998 & 2008, ample to cover 9.8 months of import and external debt repayment 1998 17.4 Government Debt/GDP Consistently well-maintained 2008 Dec 2020 50.2 135.9 More Liquid Market (%) Overnight interbank money market rate 62 is relatively lower 10.5 3.04 1998 2008 Dec 2020 External Debt/GDP Slightly higher than 2008, but significantly lower than 1998 8.6x 3.1x 3.11x 100.0% 27.4% 38.68% 116.8% 33.2% 38.1% 2008 Nov 2020 2008 Dec 2020 2008 Q3- 1998 1998 2020 1998 50 50
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