Investor Presentaiton

Optimizing balance sheet with healthy liquidity position Continue Optimized B/S through Liquid Asset Management Unit: THB Bn Net Liquid Asset 101% LDR 100% 95% 95% 295 Dec-20 312 Mar-21 LDR+Borrowing 103% 97% 274 Jun-21 Net Liquid Asset Definition: Cash + Interbank Asset + Investment - Interbank liab. LCR Well Above Regulatory Requirement BOT Minimum Requirement ■LCR 219% 199% • 189% 179% 183% Mar-20 Jun-20 Sep-20 Official LCR as of Jun 21 will report to BOT on Aug 21 100% Dec-20 Mar-21 % of Total Funding 63% 64% Retail Deposit is a Major Source of Funds 25% 23% ■Mar-21 ■Jun-21 Utb 2% 2% 3% 3% 4% 5% 2% 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 the BOT minimum requirement at 100%. 20 20

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