Investor Presentaiton

Consistent improvement in cost of deposit with a strong liquidity position Strong Liquidity Position tub 1,398 1,392 1,404 1,398 1,443 1,406 1,393 1,384 1,359 Loans -2.5% YTD 1,382 1,363 1,373 1,380 1,324 Deposit -3.6% YTD 1.51% 1.29% 1.16% -150 bn ~110 bn 0.96% 0.84% -210 bn ~160 bn ~135 bn 0.80% ~148 bn 0.76% Cost of Deposit -75 bps from Dec-19 Tir tt Tir Dec-19 Mar-20 Jun-20 Sep-20 Dec-20 Mar-21 ~89 bn Jun-21 Net Interbank • Leading deposit franchise in retail banking helps TTB bank in managing cost of deposit in this low rate environment by ■ Proactive manage balance sheets by reducing the rate of flagship products and continue to gain deposit volume ■ Optimize balance sheet by running down high cost of deposit from merger position • ■ Positive contribution from FIDF cuts As a result, a hallmark of this deposit cost reduction continued for 6 consecutive quarters since merger, showing a proven track record in executing our priorities Note: Hybrid deposits include No-Fixed, ME and Ultra saving 21

View entire presentation