Investor Presentaiton

Under Covid-19 and the focus on loan quality, NII on pressure • THB million Net Interest Income -0.7% QoQ -2.0% YoY 13,045 12,872 12,782 2Q20 1Q21 2Q21 -5.2% YoY 27,059 25,654 II 1H20 1H21 tub With the support from funding strategy, 2Q21 NII slightly dropped QoQ and YoY despite lower yields and volume as we continued to focus on quality amidst challenging environment. TTB selectively grew new loans and shifted towards lower risk areas, coupled with low interest rate environment and more conservative adjustment on accounting estimates. Due to lower interest rate YoY, 1H21 NII declined by 5.2% YoY. 23

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