Financial Analysis Presentation

Consistent improvement in cost of deposit with a strong liquidity position tb Strong Liquidity Position 1,443 1,398 1,392 1,404 1,406 1,393 1,384 1,359 1,398 1.51% 1,382 1,373 1,380 1,363 1,359 Loans -2.4% YTD Deposit -3.5% YTD 1,324 1,325 1.29% 1.16% ~150 bn ~110 bn 0.96% 0.84% 0.80% 0.76% 0.76% Cost of Deposit ~210 bn -75 bps from Dec-19 ~160 bn ~135 bn ~148 bn TTTTTT Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 Jun-21 -81 bn Net Interbank Sep-21 • Our unique offerings keep TTB's retail deposit franchise in a leading position and also help the Bank in terms of deposit cost management. ➤ Our flagship products, All Free and No-Fixed, is an interest-barbell tool which allows the Bank to manage deposit growth and cost more efficiently. ➤ Post EBT structure gave room to optimize balance sheet by running down high-cost deposit. • FIDF cut helped reduce pressure from loan yield side. However, the benefit was passed on to our customers. • As a result, a hallmark of this deposit cost reduction continued for 7 consecutive quarters since merger, showing a proven track record in executing our priorities. 13

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