Financial Analysis Presentation

Optimizing balance sheet with healthy liquidity position Continue Optimized B/S through Liquid Asset Management THB billion 101% 95% 295 Dec-20 Net Liquid Asset LDR 103% 100% 97% 95% 312 Mar-21 274 Jun-21 LDR+Borrowing % of Total Funding 103% 97% 271 Sep-21 Net Liquid Asset Definition: Cash + Interbank Asset + Investment - Interbank liab. LCR Well Above Regulatory Requirement BOT Minimum Requirement ■LCR 219% 179% 183% 184% Sep-20 Dec-20 Mar-21 Official LCR as of Sep 21 will be reported to BOT in Oct 21 Jun-21 100% 64% 63% Retail Deposit is a Major Source of Funds 23% 24% ■Jun-21 ■Sep-21 tub 2% 2% 3% 3% 5% 5% 3% 3% Retail Deposit Commercial Deposit Senior Debenture Sub-debenture Interbank Borrowing Others • • To optimize B/S, the Bank proactively manages funding cost and enhances return on liquid assets via other investments. Deposit is a major source of funds, and the Bank strategically builds retail deposit base to ensure stable deposit and less reliance on short-term wholesale funding and the Bank expected the trend to continue with deposit-led strategy and creation of a strong deposit franchise. • LCR was well above 100%, the BOT's minimum requirement. 12

View entire presentation