TMB Synergy and Financial Projections

Zoom-in on retail channel integration TMB Branch Co-location Branch (co-brand) 1 TMB Low Counter 2.1 Move TBANK (2.2) (2.3 3 Mini-co to TMB Move TMB to TBANK D TMB Hight Counter % branch to total branches at the 40% end of Dec-20 TMB Courber Suun Counter Low Counter ธนชาต High Counter B Serving existing TMB and TBANK customers at overlapping branches, preparing for customer migration On board TBANK customers with TMB deposit product 40% Channel cost saving Total net saving approx. ~100 mn in 2020 and approx. ~3 bn for the next 5 year • • Co-location branch to consolidate branches with overlapped footprint for smooth customer migration With Branch and ATM relocation initiative, the Bank expected cost saving from 1) Branch closure (rental and overhead) 2) ATM fee paid 3) Additional cost of renovation, ATM relocation 4) Depreciation cost from branch renovation TBANK Branch ธนชาต Thanachart Low Counter 8. High Counter ៥ 20% TMB Make THE Difference Note: TBANK customers continue to have their product choices of both banks until EBT date. In co-location branch each bank staff continues to sell their own products 25

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