Investor Presentaiton

Deposit strategy and structure improving cost of deposit Total Deposit -4.3% QoQ -3.6% YTD 1,373 bn 1,384 bn TD+NCD 14% 11% 1,324 bn 11% 51% Hybrid 51% 53% Saving 29% -35% CASA 32% -38% CASA 29% -36% CASA Current % Retail deposits 6% Dec-20 76% 6% 7% Mar-21 Jun-21 76% 75% tub . Deposit decreased -4.3% QoQ and -3.6% YTD, following the Bank's balance sheet optimization and liquidity management plan. With continuous effort of B/S optimization strategy, high-cost deposit running down further while hybrid product continued to expand. Flagship products still grew; All Free +6.6% YTD and No-Fixed +9.8% YTD despite the interest rate reduction, reflecting the strong value proposition of our flagship products in the market. ■ With proactive funding strategy to grow low-cost CASA, current account increased +15.0% YTD while saving account declined -4.5% YTD especially high-cost saving. Together with the decrease in TD&NCD, it helped the Bank lower down cost of deposit efficiently. After EBT, limitations and potentials in many aspects will be unlocked and allow us to start kick-in revenue synergy by offering differentiate fee based products and services to existing deposit customers such as mutual fund and BA, creating opportunities to develop more attractive product suites and bundle to serve different segments, different life stages and ensure sustainable fee income to our shareholders. 19

View entire presentation