57% Retail loans Net Profit THB 10,474 mn. +3.6% High portion of retail deposit base which is a stable deposit source Driven by the realization of balance sheet and cost synergies post-mergers, cost discipline and well-managed asset quality Robust Capital Base High level of capital adequacy Capital Adequacy Ratio 19.3% Tier 1 Ratio 15.3% High Liquidity Position Reflected by high LCR of 165%-185% through 2021 Credit Rating Upgrade from Fitch Ratings from BBB- to BBB Credit rating upgrade after becoming one of D-SIBs, reflecting the Bank’s potentials and stability from the successful merger Avoid concentration risk by leaning toward retail lending base, especially low risk-secured loans from mortgage and hire purchase Stable Deposit Structure Deposits THB 1,339 billion Diversified Loan Portfolio Loans THB 1,372 billion 74% Retail deposits 26% Commercial deposits Term loans Working capital Trade finance Personal loan Credit card & Others Hire purchase Mortgage 5% 29% 23% 6% 17% 21% Form 56-1 One Report 2021 39
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