Financial Analysis Presentation

Deposit strategy and structure improving cost of deposit Total Deposit TD+NCD 1,373 bn 14% 51% Hybrid 1,324 bn 11% 53% 1,325 bn 10% 49% LLI Flat QoQ -3.5% YTD Saving 29% -35% 29% CASA -36% CASA 34% ~41% CASA Current 6% 7% Dec-20 Jun-21 Sep-21 % Retail deposits 76% 75% 73% tub . • • • Deposit was flat QoQ and -4% YTD, in line with Bank's B/S synergy initiatives and liquidity management amid slow loan growth environment. Deposit strategy focuses on growing quality deposits which will lead by our flagship products - All Free and No Fixed and to reduce high-cost Time Deposit to improve cost of deposit further. Going forward, the Bank will optimize deposit structure thru saving & hybrid products and balance Time Deposit level to ensure cost management efficiency. In 3Q21, the change in deposit mix and the growing in saving deposits was due to 2 main reasons; Continuous growth in All Free, +27% QoQ and +35% YTD and ➤ Re-segmentation and a transfer from some of hybrid products (Ultra-saving) to saving accounts after the EBT 11

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