Financial Analysis Presentation

Maintaining quality loan growth strategy amid prolonged Covid-19 tub Total Loan Others Retail Credit Card 1,393 bn 1,359 bn Flat QoQ 1,359 bn -2.4% YTD 1% 2% Retail Personal Loan 1% .2% 1% 2% 2% 12% 2% Retail HP 29% 30% 29% New Car 69% Used Car 17% CYC 14% Retail Mortgage 22% 22% 22% CYB 0.1% Small Enterprise (SE) 7% 7% 8% Breakdown Retail HP 391 bn Corporate 36% 36% 37% Dec-20 Jun-21 Sep-21 • . • TTB aims to optimize loan mix and shift portfolio toward retail-mortgage and HP as part of B/S synergy initiatives. However, due to Covid-19 pandemic, the Bank has been more selective in growing loans in order to preserve B/S quality for future growth once economic situation allows. As a result, total loan was flat QoQ and -2% YTD as of 3Q21 due to -1% QoQ and -2% YTD in retail loans and +1% QoQ and -3% YTD in commercial loans. Our key focuses, retail-mortgage could grow +0.2% QoQ and +2% YTD amid our selective growth strategy and higher market competition for quality customers. HP portfolio, on the other hand, declined -2% QoQ and -4% YTD as loan repayment outpaced new bookings. The supply shortage in car market during 3Q21 also interrupted growth pace. Nonetheless, TTB could maintain HP market share at our normal level of around 15%. Note that the increase in % SE loan from 7% to 8% in 3Q21 was due mainly to re-segmentation after the completion of EBT. The direction on small SME segment is unchanged, still in a risk-averse mode and we will continue to de-risk weak loans. As a result, SE new booking was slower than repayment flows. 10

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