Financial Analysis Presentation

Debt relief profile by customer segments and key products Commercial Loans Non-Debt Relief (Included Debt Relief Exit) Loans under Relief Program • THB billion 601 Corporate Small Enterprise • 585 592 505 489 482 tub -20% Sep-21 . As of Sep-21, 9% of commercial loans remained in debt relief program, lower QoQ due to customers' exits from both corporate and small SME segment. An increase in small SME balance was due mainly to customer reclassification post-EBT. The new booking remained moderate and smaller than repayment as we remain cautions. Moreover, with our close monitoring and the applying of BoT's special/soft loan criteria, we could better understand customers' needs and sift the artificial demand from the real one. Under prolonged Covid-19 situation, we believe it is crucial to utilize the system's limited resource prudently. Likewise, as we have attentively assessed and provided support to eligible customers as per the BoT's debt relief 3rd phase criteria, the increase in retail segment was slightly QoQ and much lower than Jun-2020. The current retail loans under relief program was at 14%, mainly from HP and Mortgage portfolio. 96 ~38% 96 110 ~26% ~16% -9% -99% Jun-20 Jun-21 Sep-21 Jun-20 ~9% Jun-21 ~7% Sep-21 Jun-20 -53% Jun-21 THB billion Retail Loans 779 774 765 !II ~45% -13% ~14% Jun-20 Jun-21 Sep-21 Hire Purchase ~75% Mortgage 408 400 391 300 305 305 ~50% ~12% Jun-20 Jun-21 ~14% Sep-21 Note: Loans to customers excluded interbank loans / Unsecured Credit card and personal loans Unsecured 60 57 55 ~40% -20% ~16% Jun-20 Jun-21 ~17% Sep-21 ~4% ~4% Jun-20 Jun-21 Sep-21 5 LO

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