2022 Performance and Synergy Realization

IDXXIII Digitalization journey towards top 3 digital banking platform III. Digital banking to create new business and ecosystem 3yr KR4: 10% bank's revenue from new business II: Digital banking to generate sustainable growth in traditional revenue stream 3yr KR3: 3x growth in digital sales contribution II: Digital banking to deepen customer's engagement thru personalization 3yr KR2: >80% digital penetration with >80% active rate II: Digital banking to reduce costs and operational burden 3yr KR1: 80% service vol. and >99% transactions tub Top 3 digital banking platform in Thailand 11

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