TMBThanachart Plc. TTB at a Glance TTB Aspiration Founded in 1957. TMB Bank Public Company Limited (TMB) INVESTOR FACTSHEET (As of 30 June, 2021) is one of the leading mid-sized commercial bank in . The “To Be bank has grown through consumer and commercial lending, High innovative banking products and services. Performance and Share Price 52 Week High/Low The recommended bank Empowered 2004-2005: TMB was merged with DBS, Thai Danu Bank and the Organization Industrial Finance Corporation of Thailand. The bank encourages Build of choice by our customers ” Transactional THB 1.12 THB 1.25/0.81 people to challenge the status quo and improve benefits of all the Optimise Banking Bank’s stakeholders through “Make THE Difference” Philosophy. Capital Excellence Share Price Performance and 2007: Formed strategic partner with ING Bank then started its Ensure Liquidity Price Value Trade Transformation program, a three-stage plan to transform the Cost Utilisation THB/share THB mn Bank into a customer-centric and high performance organization. Efficiency Develop 1.4 6,000 Strong 2012: First Thai bank to launch the market real digital banking Customer service, ME by TMB, under the concept of simple DIY banking Understanding 1.2 5,000 for customers to get more benefit. Recurring 1.0 Key Strategy Non-Interest 4,000 2015: First Mover to start free transactional service account. Later Grow Income 0.8 on, the bank introduced completed solution service with superior Quality Deposit-Led Strategy Deposit 3,000 products “No Fixed”, and “All Free”, which focus much more 0.6 & on customers’ necessity. Transactional 2,000 0.4 Banking 2018: Strengthened mutual fund strategy. TMB agreed to sell Excellence 0.2 1,000 65% stake of TMB Asset management to form a partnership with Eastspring Investment Singapore. - 0 1 Jun 20 27 Jul 20 21 Sep 20 16 Nov 20 11 Jan 21 8 Mar 21 3 May 21 28 Jun 21 2019: “Synergy for Growth” TMB merged with , and stepped up to the 6th largest bank in the market with Top Management Team (as of 1 Jan 2021) EPS (2Q21) the double asset size. Chief Executive Officer Mr Piti Tantakasem 2020: New merged bank under name “TMBThanachart Bank THB 0.0263 (TTB)” was launched. The Entire Business Transfer had been President Mr Praphan Anupongongarch completed. The bank is ready to offer better financial experience to improve Thais’ Financial Well-being. Chief Financial Officer Mrs Prapasiri Kositthanakorn P/E P/BV Major shareholders Chief Commercial Banking Officer Mr Senathip Sripaipan 13.2x 0.52x Chief Retail Banking Officer Mr Anuwat Luengtaweekul TCAP MOF Vayupak 1 Fund Chief Risk Officer Mr Johannes Franciscus Grisel 21.2% 11.8% 10.4% Listed Shares Chief Technology and Operating Officer Mr Markus Dolenga BBL Asset Management 3.1% Chief Automotive Lending Officer Mr Pompet Rasanon 96,409 mn shares ING BANK N.V. NVDR 23.0% 3.0% SOUTH EAST ASIA UK (TYPE C) Chief Marketing Officer Mrs Kanchana Rojvatunyu Market Capitalization NOMINEES 2.0% Other Chief People Officer 23.6% MR. HENDRIK ROBERTUS Mrs Vijitra Thumpothong CASTENDIJK Military group* 0.9% THB 107,978.5 mn 0.8% Chief Audit Officer Mrs Pittimart Sanguansook Note: as of 30 Apr 2021 * Included , Thai Navy, Thai Air Force, RTA Entertainment Co. Ltd. and Military units Note: For more updated information, please see in TTB website https://www.ttbbank.com/en/about-us/management-team Deposit Strategy : Growing Quality Deposit Group Structure

Market leading deposit products that address customer saving needs and lifestyles by building transactional banking excellence and superior saving & investment accounts Subsidiary companies Associated companies Deposit Breakdown – consolidated basis, June 2021

Phahonyothin AM (100%) Thanachart Broker (100%) TMBAM (35%) Thanachart Fund (49%) Saving 29% Current Operating Structure 7% Non-Transactional Deposit Time Deposit and 53% Investment Certificate Deposit Banking Insurance Banking Asset Management 11% • Asset market share : Strategic partnerships with • In house IB • Partnering with Eastspring Investment 8.9% (Rank #6) Loan Breakdown – consolidated basis , June 2021 Prudential Life Assurance (Singapore) (Thailand) PCL • Loan market share : • Open Architecture with “Best in Class” products 10.3% (Rank #6) ✓ Offering both Life and from 11 fund houses: • Deposit market share : Non-Life products Retail-Auto 9.4% (Rank #6) loan Retail- Source: as of June, 2021 mortgage 30% Note: market share out of 8 listed commercial 22% Retail-Personal loan & Credit card 4% Other Network & People 1% Small SMEs TTB provides banking services through a nationwide 7% Corporate 36% branch network. Domestic Branches : 664 • Advisory service, which provide Asset allocation ATMs + ADMs 4,023 tool and TMB Advisory in collaboration with a Net Fees and Service Income Breakdown (Consolidation), 2Q21 Employees 15,763 global partner Credit Ratings Note: TMB+TBANK data Mutual fund Credit-related fee Standard & Poor's Moody's Fitch Rating 20% 9% International Rating International Rating International Rating Long-Term Debt BBB Long-Term Deposits Baa1 Long-term Issuer Default Rating BBB- Trade finance Short-Term Debt A-2 Short-Term Deposits Prime-2 Viability Rating bbb- 3% Stand-Alone Credit Profile(SACP) bb+ Baseline Credit Assessment(BCA) baa3 Outlook Stable Bancassurance Outlook Negative Outlook Stable 56% Other Domestic Rating 12% Long-term AA- (tha) Short-term F1+(tha) Subordinated Debt A (tha) Key Figures

As of June, 2021 2Q21 Consolidated Financial Statement, Unaudited ASSETS TIER 1 CAPITAL RATIO Pre-Provision Operating Profit 2Q21 THB 1,748,473 mn 15.5% THB 8,502 mn

LOANS TO CUSTOMERS CAPITAL ADEQUACY RATIO (CAR) Net Profit 2Q21 THB 1,358,766 mn 19.6% THB 2,534 mn

DEPOSITS THB 1,324,159 mn Investor Relations Email: [email protected]