2022 Performance and Synergy Realization

- Key highlights of our past journey – 2022 performance Profit (THB bn) 10.5 10.1 +35.6% Income (THB bn) 68.8 65.5 +0.5% 65.9 tub 2022 Key Performance Drivers Loan +0.4% YTD 14.2 OPEX (THB bn) Deposit +4.5% YTD -4.1% NIM 2.95% 31.6 31.2 30.0 Non-NII/asset 0.79% C/I 45% Risk cost (THB bn) Risk cost 1.3% 24.8 21.5 18.4 NPL 2.7% 2020 2021 2022 2020 2021 2022 % Risk cost 1.79 1.57 1.33 LLR 131% 129% 138%

View entire presentation