2022 Performance and Synergy Realization

- Key highlights of our past journey – integration and synergy realization Transfer of assets, customers and staffs from TBANK Rationalization of IT applications Ahead-of-plan balance sheet synergy realization Accelerated cost synergy realization from overlapping footprints & workforces tub One brand with coherent experience across touchpoints >1 trn THB asset ~290 application post EBT (reduced from 600 applications pre-EBT) -54 bps COD drop at ttb vs. industry's 38bps drop (1Q20-4Q21) -326 branches rationalized 4.0 mn customers ~8k FTEs transferred TMB >tb -4.2k FTES from smaller footprint, automation and economy of scale 94% brand awareness in the 1st year after new branch launch (increased to 97% in Dec'22) 3

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