G H Bank Annual Report 2021

RESILIENT ORGANIZATION Annual Report 2021 1 Government Housing Bank

GOVERNMENT HOUSING BANK VISION The Best Housing Solution Bank MISSION บา้ นทาํ ใหค้ นไทยมี Enabling Thai people to have their own homes 2 Annual Report 2021 Government Housing Bank

1 TEAM GIVE + CAPS CORE VALUE GIVE + 4 G Good Governance Value Teamwork Innovative Thoughts I (en) Courage to Change Professional Excellent Services V E C Achievement Oriented A P Speed S Annual Report 2021 3 Government Housing Bank

Award of Pride 2021 In 2021, the Government Housing Bank not only adapted to the Coronavirus Disease 2019 (COVID-19) pandemic situation and maintained excellent operational results and achieved the goals through the belief of “Good Result comes from Good Process”, alternatively, a good process yields good outcomes, and it was made possible by the collaboration of the Board of Directors and more than 5,000 executives and staff, but the positive results also enable the Bank to be recognized by several external organizations and received awards that guarantee the Bank’s achievements throughout the year 2021 as follows: 2021 State-Owned Enterprise Award (SOE Award) (Announced on January 31, 2021) State Enterprise Policy Office (SEPO), Ministry of Finance has bestowed six awards to the G H Bank, reflecting the Bank’s exceptional efficiency in operations and commitment to carrying out its purpose of “Enabling Thai people to have their own homes”, consisting of: 1. Outstanding Organizational Management Award (Outstanding), an award given to state-owned enterprises prioritizing the corporate management in good governance and corporate leadership, strategic planning, risk management and internal control, focus on stakeholders and customers, digital technology development, human capital management, knowledge and innovation management, as well as internal audit. Furthermore, the Thailand 4.0 strategy has been implemented to boost efficiency so that the company can manage and respond to changes effectively. 2. Outstanding Disclosure and Transparency Award, an award given to state-owned enterprises for their performance in disclosure and transparency based on sustainability reports, annual reports, and financial and non-financial bank performance reports. 3. Outstanding Creativity and Innovation Award, an award given to state-owned enterprises with innovative creative works that are valuable to the organization, customers, and important stakeholders. GHB was awarded for the “GHB Appraisal Valued Model by AI Project,” which enhances the Bank’s collateral appraisal process by producing a collateral appraisal model employing Artificial Intelligence (AI) or processing system with in-depth analysis capabilities to develop automated analytical models. 4. Outstanding Honored Strategic Cooperation for Development Award, an award given to state-owned enterprises for their cooperative strategic collaboration in accordance with the mission of state-owned enterprises. G H Bank and the Fish Marketing Organization (FMO) have collaborated with each other to create the “G H Bank-FMO Financial School Project to Enhance the Quality of Life” with a target group of fisheries business entrepreneurs for sustainable community development. 5. Outstanding Service Awards - G H Bank has a policy that emphasizes product and service development with the goal of meeting customer needs by utilizing digital technology and innovations to provide customers and the general public with a more convenient, fast, and easily accessible service, particularly during the Coronavirus Disease 2019 (COVID-19) pandemic situation. 6. Honorable Mentioned Award for Outstanding Creativity and Innovation in the category of innovations is given to state-owned enterprises with innovative performance in products, services, or operational procedures in order to boost competitive and practical efficiency in the organization. G H Bank was awarded for the “G H Bank Smart NPA Mobile Application Project”, which is the creation of an application for auction houses that covers a wide range of features from presenting assets to be auctioned, bidding, and displaying auction results, as well as the option to save assets of interest. This application has been used during the Coronavirus Disease 2019 (COVID-19) pandemic situation which corresponded to the New Normal lifestyle of the people. 4 Annual Report 2021 Government Housing Bank

ITA Awards 2021 (Announced on August 26, 2021) Office of the National Anti-Corruption Commission (NACC) has announced the results of Integrity and Transparency Assessment (ITA) for the fiscal year 2021. For 5 consecutive years, G H Bank received an assessment result of 99.81 points, making it the highest score in the state-owned enterprises category. It is also GHB’s highest result since participating in the ITA assessment in 2014. In this regard, NACC has announced that GHB has received 2 types of awards for the Integrity and Transparency Assessment (ITA) for the fiscal year 2021, consisting of: 1) Shield of honor for government agencies with the highest results of the assessment of Integrity and Transparency Assessment (ITA) for the fiscal year 2021 in the category of state-owned enterprises; and 2) Certificate of honor for government agencies with the results of the assessment of Integrity and Transparency Assessment (ITA) for the fiscal year 2021 at the AA level (with a score of 95 or more). National Innovation Award for Outstanding Innovation Organization in the category of honorary award in thegroup of state enterprises for the year 2021 (Received the award on October 5, 2021) G H Bank received the National Innovation Awards on “Outstanding Innovative Organization in the category of honorary awards in state-owned enterprises” for the year 2021 from the National Innovation Agency (Public Organization). It is Thailand’s most prestigious innovation award, given to organizations that use knowledge, technology, and creativity to generate value in business and for sustainable growth of the organization. Since its founding in 2005 until the present, G H Bank is the first state-owned enterprise to achieve this honor. Annual Report 2021 5 Government Housing Bank

BUSINESS + PRODUCT OF THE YEARS AWARD 2021 (Received the award on December 2, 2021) The Million Houses Project Loan Product was chosen as the Best Product and Service of the Year in the Finance, Banking, and Investment category by a survey of financial professionals. It is one of 39 awards of the “BUSINESS + PRODUCT OF THE YEARS AWARDS 2021,” the best product and service award of the year 2021, which Business+ Magazine, together with the college of management, Mahidol University, conducted a market research to select products and services in customers’ hearts and allow customers to vote for the best products or services of the year in order to honor the business organization as a role model for other entrepreneurs and businesses. It also contributes to the enhancement of products and services that are more creative and responsive to market demands. Thailand’s TOP CEO AWARD 2021 (Received the award on December 20, 2021) Mr. Chatchai Sirilai, president of Government Housing Bank (G H Bank), received the “Thailand’s Top CEO Awards 2021” at the “2021 ASIA CEO SUMMIT & AWARD CEREMONY: Asia’s Champions of Excellence” event organized by Neo Target Co., Ltd. and Influential Brands Co., Ltd., Singaporean organizations with over 20 years of experience in brand building in Asia. The purpose of the event is to reward outstanding business leaders, including the president of G H Bank, who is successful and has been recognized as an organization leader with the ability and commitment to “Enabling Thai people to have their own homes” in accordance with the G H Bank mission, as well as the development of efficient digital services for customers, resulting in better assessment results from external agencies continuously. 6 Annual Report 2021 Government Housing Bank

Honorary Sustainability Disclosure Award 2021 (Received the award on December 17, 2021) Thaipat Institute presented G H Bank with the Sustainability Disclosure Award (Honorary Award) for the year 2021. The Sustainability Disclosure Awards. Ceremony based on publicly available sustainability data, for example, sustainability reports or corporate social responsibility reports integrated into annual reports or other reports. The three judging criteria are content integrity, content reliability, and content communication and presentation. GHB won the award for the second consecutive year after producing a sustainability report based on the Global Reporting Initiative: GRI criteria. The Sustainability Disclosure Awards are created to encourage corporations to acknowledge the importance of publishing operational data pertaining to economic, social, environmental, or ESG (Environmental, Social and Governance) concerns, in addition to financial information that will further benefit stakeholders and the organization’s long-term development toward sustainability. Financier of the Year 2021 (Announced on December 8 , 2021) Mr. Chatchai Sirilai, president of the Government Housing Bank, was awarded the Honorable Financier of the Year by Money & Banking Magazine. This award was created to honor the top executives of financial institutions, securities firms, asset management companies, and other types of financial institutions who have outstanding performance, a broad and modern vision, and the ability to drive the organization to grow, progress, and be sustainable in all economic circumstances with regard to the common good, as measured by criteria in four areas: 1. Have a broad and contemporary perspective as a financier; 2. Be a skilled financier with professional integrity; 3. Be a financier who helps the organization expand and sustain itself; 4. Be a socially responsible investor who contributes to the public. Annual Report 2021 7 Government Housing Bank

Contents Mission / Vision / Core Value 2 Social and Environmental Responsibility 166 Award of Pride 2021 4 Financial Highlights 9 Connected Transactions 168 Message from the Chairman 10 Message from the President 12 Administration Manage Organization Report of the Risk Management Committee 172 Risk Management and Internal Control 174 Board of Directors and Management Team Report of the Nomination and 184 Remuneration Committee Organization structure 14 Board of Directors 18 Human Resources Management 185 Management Team 42 Report of the Audit Committee 190 Reports of the Management Internal Audit 192 Business Environment and Future Trends 63 Report of the IT & KM-Inno Strategy 194 and Policy Committee Business Overview, Policy and Strategy 74 The Bank’s “Digital Service” 196 Nature of Business 78 Significant Changes and Developments in 2021 86 Report Financial Implementation of Major Projects 91 Report of the Board of Directors’ 199 Under the Government’s Policy Responsibilities for the Financial Statements Management Analysis and Explanation 93 Auditor’s Report 200 Corporate Governance Financial Statements and 204 Notes to Financial Statements Executive Board Report 104 Information Bank Corporate Governance and Corporate Social 106 The Bank’s History and General Information 264 Responsibility Committee (CG&CSR) Report Management Team 269 Good Corporate Governance 107 G H Bank Directory 272 Regulatory Compliance 164 8 Annual Report 2021 Government Housing Bank

Financial Highlights Items 2021* 2020* (R2e0v1is9e*d) 2018 2017 Financial position (Million Baht) 1,506,337 1,407,251 1,259,170 1,163,882 1,062,458 Total assets 56,190 55,607 62,807 67,424 31,490 Interbank and money market items 62,088 76,714 27,574 31,143 50,461 Investments- net Loans 1,458,659 1,333,352 1,223,900 1,115,893 1,023,446 Allowance for doubtful acccounts 111,827 97,301 87,558 79,356 68,445 Liabilities 987,852 Deposits 1,404,912 1,312,087 1,168,946 1,082,006 858,074 Equity 1,274,849 1,161,658 993,269 943,382 74,606 Operating results (Million Baht) 90,224 81,876 Interest income 101,425 95,164 Interest expenses Interest income- net 51,742 48,721 53,601 52,341 49,364 Non-interest income 16,719 20,856 23,609 21,344 19,656 Other operating expenses 35,023 27,865 29,992 30,996 29,708 Bad debts and doubtful accounts 1,989 2,109 2,166 1,798 2,423 Total income- net 9,066 8,769 9,627 8,282 7,638 Total expenses- net 15,595 10,771 9,030 11,902 12,681 Net Profits 37,012 29,974 32,158 32,795 32,132 Cash flows (Million Baht) 24,661 19,540 18,657 20,184 20,319 Cash flows from operating activities 12,351 10,434 13,501 12,611 11,813 Cash flows from investments Cash flows from financing activities 31,508 42,209 (6,097) 31,919 (14,167) Financial ratio (Percent) (9,893) (23,637) (5,447) (891) (935) Loans to Deposits (21,547) (26,273) 7,619 5,145 7,233 Cost to Income** Net Interest Margin (NIM) 114.42 114.78 123.22 118.29 119.27 Return On Assets (ROA) 22.93 26.87 28.10 24.42 23.77 Return On Equity (ROE) 2.40 2.09 2.48 2.78 2.91 Gross NPLs /Loans 0.85 0.78 1.11 1.13 1.16 Provision to NPLs 12.57 11.26 15.69 16.12 16.61 BIS Ratio 4.00 3.75 4.24 4.17 4.21 191.55 194.39 168.70 170.67 158.79 15.30 15.17 14.11 15.27 14.58 Remark * The financial statements for the year 2021, 2020 and 2019 are the consolidated financial statements of the subsidiaries and the financial statements 9 of the Secondary Mortgage Corporation which has been merged with the Government Housing Bank according to the Secondary Mortgage Corporation Dissolution Act 2020. ** Excluding loss on impairment of assets Annual Report 2021 Government Housing Bank

Message from the Chairman The Government Housing Bank (G H Bank), a state-owned specific financial institution, has fulfilled its primary mission of supporting “Thai people to own a house” for more than 68 years. Though in 2020 - 2021 Thailand has been adversely affected by the Coronavirus 2019 (Covid-19) pandemic, the Bank’s Board of Directors and management are still committed to supporting the Thai people by providing housing loans to them in accordance with the government policy. A few significant projects the Bank initiated in 2021 included, m“MoidlleioranteHionucsoemsePreoajrencetr,s.PhInas2e0221”, for low income earners in addition to many other housing loans to low and G H Bank played a key role and mechanism to stimulate the economy of Thailand by granting new housing loans to those who wanted to own a house totaling 181,843 accounts, amounted to Bt246,845 million, constituting 40.3 percent of market share of new loans nationwide. Thus, G H Bank today has outstanding loans of Bt1,458,659 million or 32.4 percent market share of the outstanding loans nationwide. In addition, the G H Bank offered a helping hand to clients affected by the Covid-19 in 2020 until today totaling 22 measures through such projects as “G H Bank helps Thai people to build the nation in 2020,” and “G H Bank unites Thai people to build the nation in 2021.” Furthermore, the Board of Directors supervised the Bank to make sure that the Bank had audit control mechanisms and follow-up on Bank’s operation so that Bank would operate its business on a fair, transparent manner, responsible towards every group of stakeholders under the good governance principles and risk management to an acceptable level, thus building proper, long-term and sustainable value to the Bank. Consequently, in 2021, G H Bank was well recognized by two international credit rating organizations - TRIS Ratings rated G H Bank at AAA (Stable) and Moody’s at Baa1 (Stable Outlook). In addition, G H Bank was awarded with the integrity and transparency assessment award in the operation of government agencies (ITA), gaining the highest scores among state enterprises for 5 consecutive years, 6 outstanding state enterprise awards and the National Innovation Award, “Outstanding Organizational Innovation Award, an honorary award for state enterprises”. The success in implementation of government policies, fulfilment of the G H Bank mission and accomplishments of its goals can be attributed to cooperation and collaboration of the Board of Directors, management and staff members, who have performed their duties to the best of their abilities with high efficiency and effectiveness, thus bringing benefits to the Thai people to have their own homes. On behalf of the Board of Directors, I wish to thank all the stakeholders including the government agencies, private sectors, public sectors and every G H Bank customer who have been supporting G H Bank and having full trust and confidence in G H Bank I also wish to thank the management and staff members who have devoted to their jobs and assignments to accomplish to the goal of “Enabling Thai people to have their own homes” and being “The Best Housing Solution Bank.” (Mr. Yuttana Yimgarund) Chairman 10 Annual Report 2021 Government Housing Bank

G H Bank have performed our duties to the best of their abilities with high efficiency and effectiveness thus bringing benefits to the Thai people to have their own homes to accomplish to the goal “Enabling Thai people to have their own homes” and being “The Best Housing Solution Bank.” Annual Report 2021 11 Government Housing Bank

Message from the President G H Bank will continue to improve the technology efficiency to elevate the customer-related operations. We will also develop the Bank’s personnel to achieve People Excellence level in order to maintain the Bank’s renowned position as “The Best Housing Solution Bank” 12 Annual Report 2021 Government Housing Bank

The performance of the Government Housing Bank (G H Bank) in the past year of 2021 is another proof that the Bank is the leading bank for housing loan, and also demonstrates the success in carrying out the mission of “Enabling Thai people to have their own homes” by issuing new loans at the highest rate in 68 years, amounting to 246,875 million baht, or an increase of 9.65 percent from the previous year, and exceeding the target set at 21,724 million baht. As a result, there were outstanding loans amounting to 1,458,659 million baht, or a 9.40 percent growth, thus bringing the total value of the Bank’s assets to 1,506,337 million baht, or a 7.04 percent growth compared to the previous year. Furthermore, the Bank had effective and efficient asset and liability management. In 2021, G H Bank had a net profit of 12,351 million baht and a remittance to the Ministry of Finance of 5,617 million baht in the fiscal year 2021. In 2021, although the situation of the Coronavirus 2019 (COVID-19) epidemic continued to spread and affect the rate of non-performing debts (NPLs) and the provisions of many financial institutions, G H Bank still managed NPLs appropriately without dramatic increases. By the end of 2021, the Bank had NPLs of 58,381 million baht, or approximately 4.00 percent of total loans, as the result of the Bank’s continuous issuances of 22 measures in total to help the customers since 2020 with the highest rate of participating customers up to 973,227 accounts, amounting to 847,218 million baht. As of December 31, 2021, only 111,765 accounts were still participating in the measures, amounting to 115,992 million baht. In order to manage the risks and prepare for the impact of COVID-19 in the future, the Bank had set aside allowances for doubtful accounts at the amount of 111,827 million baht, an increase of 14.93 percent from the previous year, which was proportional to NPLs at 191.55 percent, with the capital adequacy ratio (BIS ratio) of 15.30 percent, reflecting the strong financial stability of G H Bank. Under the leadership and management of the Board of Directors, the management team focused on leading G H Bank to become a Resilience Organization that could survive amidst the Coronavirus 2019 (COVID-19) pandemic by prioritizing on adapting as quickly as possible to keep up with the changes of the world, customers, competitors, and technologies, along with adhering to the principles of good governance. The Bank also prepared to transform the organization into a fully digitalized bank in both digital services and digital operations of organizational management. The success of corporate management in all aspects earned G H Bank six outstanding state enterprise awards in 2021, comprising the Outstanding Organizational Management Award, Outstanding Information Disclosure and Transparency Award, 2 Awards for Outstanding Creativity and Innovation in the Outstanding Category, Strategic Cooperation Award for Outstanding Development in the Honorable category, Outstanding Service Award, and Outstanding Creativity and Innovation Award in the Honorable Mention Category. In addition, the Bank also received the Integrity and Transparency Assessment Award in the Operation of Government Agencies for Fiscal Year 2021 (ITA Awards 2021) with the score of 99.81 points, the highest score in the state enterprise category for the 5th consecutive year since 2017. Furthermore, the Bank was the first state enterprise agency to receive the National Innovation Award for Outstanding Innovation Organization in the Honor Award Category in the group of state-owned enterprises. The CEOs also received the honorary awards of “Thailand Top CEO Awards 2021” and “Financial Person of the Year 2021” in addition to receiving several awards that show the success of the organization. The achievements in 2021 will be a driving force for the Bank to become a fully sustainable bank; we will continue to improve the technology efficiency to elevate the customer-related operations. We will also develop the Bank’s personnel to achieve People Excellence level in order to maintain the Bank’s renowned position as “The Best Housing Solution Bank”. In addition, G H Bank is the key organization that helps stabilize and sustain the Thai economy, in line with the Bank’s mission, “Enabling Thai people to have their own homes”. (Mr. Chatchai Sirilai) President Annual Report 2021 13 Government Housing Bank

Organization Chart 2021 Board of Directors Real Estate Information Center (REIC) REIC Management Committee Real Estate Information Center (Mr. Vichai Viratkapan) Acting FVP Audit Committee Audit Business Group Executive Vice President President (Mr. Chatchai Sirilai) Bank Inspector Grade 16 SMeacnoangdeamryenMtoGrtrgoaugpe (Ms. Orada Chareonsilp) (Mr. Vichai Viratkapan) InternalHAeuadditODffiecpeartment IT Audit Department BDreapnachrtmAuednitt (Ms. Rawaeo Eksuwan) Executive Vice President (Mr. Jedsada Meesuwan) (Ms. Angkana Chantarasiri) DMeabntaCgeomlleecnttioDneapnadrtmLoeannt (Mr. Korapol Chinpat) ((MMBrs.a.C(nPM(hrkMaor.trkIan.NcnAshigppmaooiernrJncnauttlAoSaPrarschminGhotaprnhanasadkoinrunei)alg)p1oo4ernn)) SecondSaurpypMoortrtDgeapgearMtmaneangtement Office of the President (Mr. Peeyus Taechatakrantham) (Ms. Khwanjai Sakdamin) MetropGolriotaunp Branch (MMse.tNroDarpeuopmlaiotrantmnRueSnnugtprupeonrgt) TeIcnhfnoormloagtyioUnnit BuMsianreksestiUngnit Executive Vice President B(aMnrg. kWoakDnMcehpeaatirrotPmponoeglnibttao1nonBcrhaonoc)h Ba(nMgsk. oCkhDaMenpaekatarrontmpCoehlinittbtao2nribBoroann)ch Senior Executive Vice President Senior Executive Vice President (Ms. Porta Yimtraiporn) (Mr. Apirat Aroonvilairat) (Mr. Witthaya Saenphakdee) RegiGonroaul pBr1anch (EMxre. cCuhatinvaeJiVraircuestaPnraersaindgesenet) OperatinGgroTuepchnology Digital DGeroveulpopment MDearvGkerelootuipnpmg 1aenndt MDearvGkereolotuipnpmg 2aenndt RegiGonroaul pBr2anch (NMorr.tPhoDnBegrspaanakrcothrmn(eTUnuptlatonownnt)) Executive Vice President Executive Vice President Executive Vice President Executive Vice President Exe(cMust.iSvaeowVaickoenPCrheussirdi)ent IT Operating Department (Mr. Tuanthong Treenuparb) (Mr. Sornpong Durongkavarojana) (Ms. Kanjanika Srirattanatri) DigiDtaelpTaertcmhneonltogy BusBinraensschUnit North BSDorAeamncpstcaoinhrngtgm(SDSVeuoPnkwmtnatnoow)n) IT DDeepvaerltompemnetnt DeveloLpomanenPtroDdeupcatsrtment (MDse.vKeDlaoenppjaAmoncsetiiiktnnatPgrDSSorVedipPruaactrtttsamneantrti) (Ms. (Mr. Sompong Narksuetrong) (Ms. Luckana Supasirisun) (Mr. Sirapong Suwannasri) AllianDceepsoDsietpaanrdtment (Ms.SCVehanitcraieoverePCErhexiraeskiucdnumetenitvhtaephat) DigitDaleDpaervtemloepnmt ent (MCs.uVsatnoiDtmhAeaecprtraaintRrgtBemolSoaVentPnisoutnpshhanipith) (Ms. Chintana Songsiri) (NU(opMrtrto.hwSeanan)sytDaeerSnpriraBartrtaamnnaec)nht (Mr. Apirat Wongmaneeroj) (MBra. SnDokringinpiAotgnacgtlDiDnSeugrepoSrnVavgPrkitacvmearsoejannta) (DNowo(Mrntrth.oeIswaanrsat)eNDraneopwBaararstinrmic) hent PlanTneinchgnaonldogMyaCneangteemr ent (Ms. Darin Kaewngam) RegiGonroaul pBr3anch Ea(sMter.rnMBanraonpcChhDaenpchaartumme)nt Executive Vice President Bra(Mncsh.CSe(unUptproatrolnwpannatd) SDSaeonpugaathrrtamme)nt (Mr. Danai Sangsrichantara) W(De(Msotwse. nrTntaonawinttnda) SSDooenupgttahhratBwmroaennn)cth 14 Annual Report 2021 Government Housing Bank

Executive Board Nominating and Remuneration Committee Labor Relations Committee Risk Management Committee GoEondvCiroornpmoerantteRGeospveornnsaibniclietyanCdomSomciitatleaend IT Strategy and Policy Committee Legal Review Commitee Strategic Planning Group MHaunmagaenmReenstouGrrcoeusp CCoorpmomrauteniIcmataiogensGaronudp Risk Management Group Executive Vice President Executive Vice President Executive Vice President Executive Vice President (Mr. Narongpol Prapanirin) (Ms. Karuna Muantoei) (Ms. Sudjittra Kumdee) (Mr. Popkorn Charoenlarp) Co(Mrpisos rSauDtreeeAepcCptaoainrnmgtmSSmiVreiaPunpntolrcnastkiuol)ns Risk Management Department StraDteepgaicrtPmlaennnting HumDeapnaRrtemsoeunrtces RespoCnosripboilriatyteDSeopcairatlment (Mr. Kninruch Dabbaransi) (Ms. Hathaitip Luangthanaponkul) (Mr. Nisit Aunvijit) Credit Review Department LearningDeapndartDmeevenltopment (Ms. Suparat Sodsong) (Mr. Chitpol Sriteeraviroj) CorpoDreaptearAtmsseensstment (Ms. Saipin Suntiphun) (Mr. Wanchat Chitcharoenwarakit) IT Security Center ResSeearvrcicheasnDdepInafrotmrmeanttion (Ms. Srisuda Chaijareenont) Fraud Prevention Center (Mr. Nithichai Soongtrong) (Mr. Akadej Parpnum) Credit Business Unit Debt Restructuring Unit Operation Unit AccounFtininagncBeusainnedss Unit Senio(rMEr.xPeocnugstaivkeKuVmicneuaPnrsieris)ident Senior E(xMer.cSAuactktisinvitgeJSitVEtVaicnPeooPnr)esident Senio(MrsE. TxheicdauptoivrneMVeikciengtPhroensgi)dent Senior Executive Vice President (Mr. Kamonpop Veerapala) CredGitroAunpalysis SociaClrePdoliticaynGdroup Debt MGaronuagpement Execution Group Legal Group Support Group AccFoinuanntcinegaGnrdoup ROeptearilatCinugstGomroeurps Executive Vice President Executive Vice President Executive Vice President Executive Vice President E(xMes.cTuhtiidvAaepctoVirnincgeMEVePkPrinegstihdoenng)t E(Mxer.cCuhtaiivyAaecptVoinrincgeCEVhPuPrleamsiadneene)t Exec(Must.ivReanVeeicPeacPhrseosnigd)ent E(xMer.cMutoinvAcechtaViniicgTeeEeVPrParveosriadkeunl)t (Ms. Usanee Boosayakomut) (Ms. Paninee Manosan) (Ms. Oranuch Phongprayoon) (Mr. Saksit Jittanoon) CollDateepraarltAmpepnrtaisal (Mr. Niwat Swangvun) RetaiDl eCpreadrtimt Aennat lysis andGLooSavonecrsianDlm-eDepenavtre-tPlmoopelimncytent BaDnegbkDtoekMpMaarnetamtgroeepnmotelintat n (MCr.aTsDheaewMpaaatnrBtaumgneyeamnptheanlutk) (Mr. KDCrioesdpmaapPratlimtatanemcnaetpalin) (MrO. CfAhfiaDdicnemaerpoiannagnriSstdatmwraBaetdtrnaeioetnwnconhgsa) Accounting Department (MrL. oMaDonnecphDaaoirctTmueemeranevtonrtaskul) (Ms. NAcutninggruStVaPi Sari) (Ms. Warapron Poosanarat) (Ms. Lavan Wongvivat) (MNsP. NADiteDiAkpcaetravinnregtRlmaoStVpeaPnmnutkeonotn) (MLr.eNguanltDaweuptaSrutkmsaewnatng) (MrPD.rPeohpcisuaarrntemKmoenengnsttub) (Ms. RathsaAcchtoinngKSitVtiPsawetpong) (MMar.nTahgitRaeepmAgocnieotnPinnhtagulDsSuDeVsipenPbalartptamtheonrnt) L(eMgra.DDlAeekEapfixrcaeaiprcttoumLltoRieoiannnngtraond)d (MCsa. PsDhiyeaMwpaaanrntAamngoeenmngtjeannyta) ProjeDcet pLaoratnmAenntalysis CDreedpitarStumpepnotrt (Ms. Kanchana Kaewyeam) (Ms. Atchara Munutsar) Treasury Department (Ms. Prawrat Ratanamongkolkasem) Acting SVP As of December 1, 2021 Annual Report 2021 15 Government Housing Bank

Organization Chart 2022 Board of Directors Real Estate Information Center (REIC) REIC Management Committee Real Estate Information Center (Mr. Vichai Viratkapan) Acting FVP Audit Committee Audit Business Group President Executive Vice President (Mr. Chatchai Sirilai) IT Audit Department BDreapnachrtmAuednitt InternalHAeuadditODffiecpeartment Bank Inspector Grade 16 (Mr. Jedsada Meesuwan) (Ms. Angkana Chantarasiri) (Ms. Rawaeo Eksuwan) (Ms. Orada Chareonsilp) (Mr. Vichai Viratkapan) Bank Inspector Grade 15 (Mr. Manop Chanchaum) ((MMBrr..aCP(nM(hekMoer.rykIn.NcuAshsigpmaoTiernaJnceautctlAoahPrrsachintGhoatarnkhanrsadakinrunei)alt)ph1ao4mrn)) Office of the President (Ms. Khwanjai Sakdamin) MetropGolriotaunp Branch (MMse.tNroDarpeuopmlaiotrantmnRueSnnugtprupeonrgt) TeIcnhfnoormloagtyioUnnit BuMsianreksestiUngnit Executive Vice President B(aMnrg. kWoakDnMcehpeaatirrotPmponoeglnibttao1nonBcrhaonoc)h Ba(nMgsk. oCkhDaMenpaekatarrontmpCoehlinittbtao2nribBoroann)ch Senior Executive Vice President Senior Executive Vice President (Ms. Porta Yimtraiporn) (Mr. Apirat Aroonvilairat) (Mr. Witthaya Saenphakdee) OperatinGgroTuepchnology Digital DGeroveulpopment MDeavrGkerelootuipnpmg 1aenndt MDearvGkereolotuipnpmg 2aenndt RegiGonroaul pBr1anch (NMorr.tPhoDnBegrspaanakrcothrmn(eTUnuptlatonownnt)) Exe(Mcus.tLiuvceAkcatVninaicgSeEuVpPParseirissuidne) nt Executive Vice President (MExr.eScourntpivoengVDiucreonPgkreavsaidroejannta) Ex(Mesc.uKtainvjeanVikiaceSriPrartetasnidaterin) t (EMxre. cCuhatinvaeJiVraircuestaPnraersaindgesenet) (Mr. Tuanthong Treenuparb) RegiGonroaul pBr2anch BusBinraensschUnit Exe(cMust.iSvaeowVaickoenPCrheussirdi)ent North BSDoreamnpscaohrntgm(DSeuonkwmtnatnoow)n) IT Operating Department IT DDeepvaerltompemnetnt DeveloLpomanenPtroDdeupcatsrtment DeveDloeppmoseitntPrDoedpuacrttsment (Ms. (Mr. KriAacntginsagkSMVPahiwan) (Ms. Luckana Supasirisun) (Mr. Sirapong Suwannasri) (Ms. Chintana Songsiri) (Ms.SCVehanitcraieoverePCErhexiraeskiucdnumetenitvhtaephat) DeveloCpomreenBtusDineepsasrtment (MCs.uVsatnoiDtmheaeprraatRrtBemoloaentnisoutnpshhanipith) AllianDceepsoDsietpaanrdtment (NU(opMrtrto.hwSeanan)sytDaeerSnpriraBartrtaamnnaec)nht IT SSutrpapteogritcDPelapnanrtimngeannt d (Mr. Apirat Wongmaneeroj) (Mr. PeeyuAscTtianegchSaVtaPkrantham) (DNowo(Mrntrth.oeIswaanrsat)eNDraneopwBaararstinrmic) hent (Ms. Pratanporn Sampaongoen) BanDkiginitgalDSeepravritcmesent DeveloDpigmiteanl tSeDrevpicaertment (Ms. DAacritninKgaSeVwPngam) (Mr. Sompong Narksuetrong) RegiGonroaul pBr3anch Ea(sMter.rnMBaAnracontpincChghSDaVenPpchaartumme)nt Executive Vice President Bra(Mncsh.CSe(unUptproatrolnwpannatd) SDSaeonpugaathrrtamme)nt W(De(Msotwse. nrTntaonawinttnda) SSDooenupgttahhratBwmroaennn)cth (Mr. Danai Sangsrichantara) 16 Annual Report 2021 Government Housing Bank

Executive Board Nominating and Remuneration Committee Labor Relations Committee Risk Management Committee GoEondvCiroornpmoerantteRGeospveornnsaibniclietyanCdomSomciitatleaend IT & KM-Inno Strategy and Policy Committee Legal Review Committee Strategic Planning Group MHaunmagaenmReenstouGrrcoeusp CCoorpmomrauteniIcmataiogensGaronudp Risk Management Group Executive Vice President Executive Vice President Executive Vice President (Mr. Narongpol Prapanirin) Executive Vice President (Ms. Karuna Muantoei) (Ms. Sudjittra Kumdee) (Mr. Popkorn Charoenlarp) StraDteepgaicrtPmlaennnting Co(Mrpso. SrauDrteeeAepcpCtaaoinnrmgtSmSmirVieaPunpnotlrcnasktuiol)ns (Ms. Hathaitip Luangthanaponkul) HumDeapnaRrtemsoeunrtces RespoCnosripboilriatyteDSeopcairatlment Risk Management Department (Mr. Nisit Aunvijit) (Mr. Kninruch Dabbaransi) CorpoDreaptearAtmsseensstment LearningDeapndartDmeevenltopment (Ms. Suparat Sodsong) (Mr. WanchaAtcCtihnigtcShVaProenwarakit) (Ms. Saipin Suntiphun) Credit Review Department ResSeearvrcicheasnDdepInafrotmrmeanttion (Mr. Chitpol Sriteeraviroj) IT Security Center (Mr. Nithichai Soongtrong) (Ms. Srisuda Chaijareenont) Credit Business Unit Fraud Prevention Center (Mr. Akadej Parpnum) Senio(rMEr.xPeocnugstaivkeKuVmicneuaPnrsieris)ident Debt Restructuring Unit Operation Unit AccounFtininagncBeusainnedss Unit Senior E(xMer.cSuatkisviteJitVtaicneooPnr)esident Senio(MrsE. TxheicdauptoivrneMVeikciengtPhroensgi)dent Senior Executive Vice President (Mr. Kamonpop Veerapala) CredGitroAunpalysis SociaClrePdoliticaynGdroup Debt MGaronuagpement Execution Group CMomanpaligaenmceenatnGdroLeugpal Support Group AccFoinuanntcinegaGnrdoup ROeptearilatCinugstGomroeurps Executive Vice President Executive Vice President Executive Vice President Exe(cMur.tiSvAaekctsViinticgJeiEttVPaPnreosoidn)ent E(xMes.cTuhtiidvAaepctoVirnincgeMEVePkPrinegstihdoenng)t (EMxre. CchuatinivareonVgiScaewaPtdreeeswidonegnsat) Exe(Mcus.tiRvaeneVeicPeacPhresosnidge)nt E(xMer.cMutoinvcehaViicTeeePrarveosriadkeunl)t (Ms. Usanee Boosayakomut) (Ms. Paninee Manosan) (Ms. Oranuch Phongprayoon) CollDateepraarltAmpepnrtaisal RetaiDl eCpreadrtimt Aennat lysis (Mr. Niwat Swangvun) andGLooSavonecrsianDlm-eDepenavtre-tPlmoopelimncytent BaDnegbkDtoekMpMaarnetamtgroeepnmotelintat n (MCr.aTsDheaewMpaaatnrBtaumgneyeamnptheanlutk) (Mr. KDCrioesdpmaapPratlimtatanemcnaetpalin) (MrO. CfAfihDdactAemechcpiatanaiinnriCsgtdhtmoSrBtaVetitrPknaiuotnmncphorn) Accounting Department L(oMaDr.nAeTcpaDtwaionarcgttmuSSamVeuPnbeotnnt)s (Ms. Nungrutai Sari) (Ms. Warapron Poosanarat) (Ms. Lavan Wongvivat) (MNs.PNADitieDkpaeravnretRlmaotpeamnnuteknootn) (MLr.eNguanltDaweuptaSrutkmsaewnatng) (MrPD.rPeohpcisuaarrntemKmoenengnsttub) (Ms. Rathsachon Kittisawetpong) ProjeDcet pLaoratnmAenntalysis (MMra.nTahigtRaeepmognieonPnhtaulDsuDespienbalartptamtheonrnt) (MCsa. PsDhiyeaMwpaaanrntAamngoeenmngtjeannyta) (Ms. Kanchana Kaewyeam) CDreedpitarStumpepnotrt L(eMgra.DDlAeekEapfixrcaeaiprcttoumLltoRieoiannnngtraond)d Treasury Department (Ms. Atchara Munutsar) (Ms. Prawrat Ratanamongkolkasem) BSue(Msciron. neKodssraarDpyoelMpCaohrirtntmpgaaetg)net As of April 18, 2022 Annual Report 2021 17 Government Housing Bank

Board of Directors Year 2021 Mr. Yuttana Yimgarund1 Mr. Chanvit Nakburee2 Chairman Director (From the Ministry of Finance’s list of State Enterprise Directors) (From the Ministry of Finance’s list of State Enterprise Directors) Mr. Krit Sesavej Mr. Ratsapa Chirakranont Independent Director Independent Director (From the Ministry of Finance’s list of State Enterprise Directors) Mr. Narin Opamuratawongse Mr. Theeraj Athanavanich4 Mr. Chatchai Sirilai Independent Director Director President (From the Ministry of Finance’s list of State (From the Ministry of Finance’s list of State Enterprise Directors) Enterprise Directors) Remark : 1 Take a Position of Chairman, Unit October 31, 2021 3 Take a Position of Director, Unit January 16, 2022 2 Take a Position of Director, Unit October 27, 2021 4 Take a Position of Director (Representative of the Ministry of Finance), Take a Position of Director (Representative of the Ministry of Finance), Unit October 27, 2021 Since October 28, 2021 18 Annual Report 2021 Government Housing Bank

Ms. Patcharee Arayakul Dr. Kirida Bhaopichitr Director Independent Director (From the Ministry of Finance’s list of State Enterprise Directors) Associate Professor Dr. Thanavath Phonvichai3 Dr. Krithpaka Boonfueng Independent Director Independent Director (From the Ministry of Finance’s list of State Enterprise Directors) (From the Ministry of Finance’s list of State Enterprise Directors) Mr. Patchara Anuntasilpa5 Mr. Boonchai Charassangsomboon6 Chairman Director (From the Ministry of Finance’s list of State Enterprise Directors) (From the Ministry of Finance’s list of State Enterprise Directors) 5 Take a Position of Chairman, Since January 18, 2022 6 Take a Position of Member, Since January 18, 2022 Annual Report 2021 19 Government Housing Bank

Board of Directors Year 2021 Mr. Yuttana Yimgarund Chairman (From the Ministry of Finance’s list of State Enterprise Directors) • Capital Market Leader Program, Class 18, Capital Market Academy (CMA) • Financial and Fiscal Management Program for Senior Executive, Class 2, The Comptroller General’s Department (CGD) • Inspector’s course of Ministry, Office of the Civil Service Commission • Public Legal Executive Training Program, Class 5, Office of the Council of State • Top Executive Program in Commerce and Trade (TEPCoT), Class 10, Commerce Academy • Corporate Governance for Directors and Senior Executives of Regulators, State Enterprises and Public Organizations, Class 17, King Prajadhipok’s Institute. Other Positions • 2020 - Present Director, Phetchaburi Rajabhat University. • 2020 - Present Director, Football Association of Thailand • 2019 - Present Chairman, Dhanarak Asset Development Company Limited • 2019 – Present Director General, The Treasury Department • 2015 - Present Director, Mass Rapid Transit Authority of Thailand Age : 60 Experience Vice President, Football Association of Thailand Date of Appointment as Chairman of the Board : • 2020 - 2021 Director, Government Housing Bank March 23, 2021 - October 31, 2021 • 2019 - 2021 Director, Football Association of Thailand Education • 2019 - 2020 Deputy Permanent Secretary, Ministry of Finance • Master of Public Administration, National Institute Development • 2018 - 2019 Director, Bangkok Expressway and Metro Public Administration • 2017 - 2019 Company Limited • Bachelor of Laws, Ramkhamhaeng University Chief Inspector General, Ministry of Finance • Graduate Diploma in Public Law, Thammasat University • 2017 - 2018 Inspector General, Ministry of Finance Training • 2015 - 2018 Principal Advisor on Customs Control Development • Digital Economy for Management (DE4M), Class 10, • 2015 - 2015 Deputy Director - General, Thai Customs Department Institute of Research and Development for Public Enterprises (IRDP) • 2011 - 2015 Director, Laem Chabang Port Customs Office • Advanced Certificate Course in Politics and Governance in Democratic • 2010 - 2011 Director, Customs Service Division I Systems for Executives, Class 13, King Prajadhipok’s Institute • 2009 - 2010 Director, Central Administration Bureau • The Civil Service Executive Development Program : Visionary and • 2008 - 2009 Moral Leadership, Class 71, Office of the Civil Service Commission • Senior Executive Certificate in Anti - Corruption Strategic Management, Ownership of Share in any Corporation more than 10% : None* Class 3, Office of The National Anti - Corruption Commission • The Joint State - Private Sector Course, Class 25, Conflict of interest in Government Housing Bank : None* Thailand National Defence College Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2020” 20 Annual Report 2021 Government Housing Bank

Mr. Chanvit Nakburee Director (From the Ministry of Finance’s list of State Enterprise Directors) • Senior Executive Program : Leadership with Passion to Reform, Drive Strategy, and Settle Reconciliation (RSR), Strategic Transformation Office • Senior Executive Development Programme (SEDP), Class 9, Office of the Civil Service Commission • The Civil Service Executive Development Program : Visionary and Moral Leadership, Class 77, Office of the Civil Service Commission • Corporate Governance for Directors and Senior Executives of Regulators, State Enterprises and Public Organizations, Class 9, King Prajadhipok’s Institute Other Positions • 2019 - Present State Enterprise Performance Appraisal Advisor, The State Enterprise Policy Office, Ministry of Finance • 2019 - Present Director, The Government Lottery Office • 2015 - Present Director, National Credit Bureau Company Limited Age : 58 Experience Director, Small and Medium Enterprise Date of Appointment as Director : March 23, 2021 - October 27, 2021 • 2017 - 2021 Development Bank of Thailand Date of Appointment as Director : October 28, 2021 Deputy Director, The State Enterprise Policy Office, Education • 2016 - 2019 Ministry of Finance • Master of Business Administration in General Management, Director, Dairy Farming Promotion Organization Faculty of Business Administration, Ramkhamhaeng University • 2015 - 2016 of Thailand • Bachelor of Business Administration in Accounting, Director, State Enterprise Policy and Planning Bureau, Faculty of Business Administration, Ramkhamhaeng University • 2010 - 2016 The State Enterprise Policy Office, Training Ministry of Finance • Director Certification Program (DCP) Class 312/2021, Director, NEP Realty and Industry Public Company Thai Institute of Directors Association (IOD) • 2010 - 2016 Limited • Role of the Chairman Program (RCP), Class 48/2021, Director, Portfolio Management Bureau, Thai Institute of Directors Association (IOD) • 2009 - 2010 The State Enterprise Policy Office, • The National Defence Course, Class 61, Ministry of Finance Thailand National Defence College • The Executive Program in Energy Literacy for a Sustainable Future, Class 10, Thailand Energy Academy Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / 21 and related transactions during 2021” Annual Report 2021 Government Housing Bank

Ms. Patcharee Arayakul Director (From the Ministry of Finance’s list of State Enterprise Directors) Other Positions • 2020 - Present Permanent Secretary, Ministry of Social Development and Human Security • 2020 - Present Director, National Housing Authority • 2020 - Present Chairman, Office of the Government Pawnshop • 2020 - Present Director, The Committee of Coordinating and Monitoring of Anti-Human Trafficking • 2020 - Present Secretary, The Committee of Anti-Human Trafficking • 2020 - Present Vice Chairman, The Sub Committee of Coordinating and Monitoring of Anti-Human Trafficking • 2020 - Present Chairman, The Committee of Fund Management for Anti-Human Trafficking Age : 59 Experience Deputy Permanent Secretary, Ministry of Social Date of Appointment as Director : October 22, 2019 • 2019 - 2020 Development and Human Security Education Director, The Committee of The Community • Bachelor of Arts in Physical Education, Faculty of Education, • 2019 - 2020 Organizations Development Institute (CODI) Kasetsart University Director and Secretary, The Committee of Training • 2019 - 2020 Monitoring and Evaluation of Anti-Human Trafficking • Director Certification Program (DCP), Class 305/2021, Deputy in the board of National Strategy on The Thai Institute of Directors Association (IOD) • 2019 - 2020 Prevent and Eliminate Corruption Committee • Inspector’s course of Ministry, Office of the Permanent Secretary, (Third) (2017-2021) : (1) The Pushing of Strategy 1 Prime Minister Office to Against Societies of Corruption Committee. • The Civil Service Executive Development Program : Visionary and Inspector General, Ministry of Social Development Moral Leadership, Class 83, Office of the Civil Service Commission • 2018 - 2019 and Human Security • Public Administration and Law for Executives, Class 14, Deputy Director General, Department of Women’s King Prajadhipok’s Institute • 2017 - 2018 Affairs and Family Development • The Basic English for ASEAN Community : BEAC, Devawongse Director, Gender Equality Promotion Division, Varopakaran Institute of Foreign Affairs, Ministry of Foreign Affairs • 2014 - 2017 Department of Women’s Affairs and Family • The Executive of Social Development and Human Security, Class 5, Development Ministry of Social Development and Human Security Director of Nonthaburi Provincial Social • Expert on Social Development and Human Security, Ministry of Social • 2012 - 2014 Development and Human Security Office Development and Human Security (World Bank Scholarship) Director of Chachoengsao Provincial Social • 2012 - 2012 Development and Human Security Office Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2021” 22 Annual Report 2021 Government Housing Bank

Dr. Kirida Bhaopichitr Independent Director • Site Visit : Marking Innovation Happen (HUAWEI), Thailand Productivity Institute (FTPI) • Thammasat Leadership Program (TLP), Class 12/2018, Thammasat Association • Capital Market Academy for Greater Mekong Subregion (CMA-GMS), Class 3/2017, Capital Market Academy • Executive Media Management Course, Class 6/2015, Isra Institute Thai Press Development Foundation • Capital Market Leader Program, Class 16/2013, Capital Market Academy Other Positions • 2022 - Present Honorary Director, Khon Kaen University Council, Khon Kaen University • 2018 - Present Independent Director, Pridi Banomyong International College, Thammasat University • 2015 - Present Director, TDRI Economic Intelligence Service (EIS), Thailand Development Research Institute (TDRI) • 2014 - Present CommitteeMember,ThammasatEconomicAssociation Age : 51 Experience Independent Director, Faculty of Economics, Date of Appointment as Director : March 23, 2021 • 2013 - 2015 Thammasat University Education Member of Subcommission on Government • Doctor of Philosophy in Economics, Cornell University, USA • 2013 - 2014 Scholarship Development, Office of Civil Service • Master of Arts in Economics, Cornell University, USA Commission • Bachelor Degree in Economics, Faculty of Economics, Subcommittee on Fiscal Issue, Thammasat University • 2013 - 2014 The Senate of Thailand Training Senior Country Economist for Thailand, • Role of the Chairman Program (RCP), Class 48/2021, • 2011 - 2015 The World Bank Group, Bangkok Office The Thai Institute of Directors Association (IOD) Member of Subcommission on Reducing & • IT Governance and Cyber Resilience Program (ITG), Class 18/2021, • 2011 - 2014 Improving Business Processes, Office of Public The Thai Institute of Directors Association (IOD) Sector Development Commission • Financial Statements for Directors (FSD), Class 42/2020, Senior Economist for East Asia and Pacific Region, Thai Institute of Directors Association (IOD) • 2010 - 2011 The World Bank Group, Washington D.C. • Corporate Governance for Directors and Senior Executives of (Head Office) Regulators, State Enterprises and Public Organizations, Class 20, Economist, The World Bank Group, Bangkok Office King Prajadhipok’s Institute. • 2003 - 2010 Consultant, The Boston Consulting Group, Bangkok • Director Certification Program (DCP) (2019), Class 247/2019, • 2000 - 2001 Thai Institute of Directors Association (IOD) • Board Nomination and Compensation Program (BNCP), Class 8/2019, Ownership of Share in any Corporation more than 10% : None* Thai Institute of Directors Association (IOD) Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / 23 and related transactions during 2021” Annual Report 2021 Government Housing Bank

Mr. Krit Sesavej Independent Director (From the Ministry of Finance’s list of State Enterprise Directors) Other Positions • 2020 - Present Independent Director and Member of Risk Management Committee, Airports of Thailand Public Company Limited (AOT) Age : 59 Experience President, Bangkok Commercial Asset Management Date of Appointment as Director : March 23, 2021 • 2012 - 2018 Public Company Limited Education Director and Member of Risk Management • Master of Business Administration in Management, • 2012 - 2018 Committee, Bangkok Commercial Asset Catholic University, USA Management Public Company Limited • Bachelor of Economics in Marketing, Faculty of Economics, Senior Executive Vice President, Head Office Loan Kasetsart University • 2008 - 2012 Restructuring Group, Bangkok Commercial Asset Training Management Public Company Limited • Risk Management Program for Corporate Leaders (RCL), Class 23/2021, Executive Vice President, Loan Restructuring, Thai Institute of Directors Association (IOD) • 2006 - 2008 Bangkok Commercial Asset Management • Director Certification Program (DCP), Class 305/2021, Public Company Limited Thai Institute of Directors Association (IOD) Assistant Vice President , Financial Institution Asset • Role of the Chairman Program (RCP), Class 48/2021, • 2000 - 2006 Management Corporation Thai Institute of Directors Association (IOD) Senior Vice President, Brokerage Business • Capital Market Leader Program, Class 19, • 1994 - 1997 Department, Akethamrong Securities Capital Market Academy (CMA) Public Company Limited • Director Accreditation Program (DAP) Class 118/2015, Assistant Manager, Business Development Thai Institute of Directors Association (IOD) • 1987 - 1993 Department, Kasikornbank Public Company Limited Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2021” 24 Annual Report 2021 Government Housing Bank

Mr. Ratsapa Chirakranont Independent Director Other Positions • 2017 - Present Senior Vice President, Finance Department, Minor Dairy Company Limited Experience Vice Chairman, Finance Department, • 2015 - 2017 Bank of America N.A. - Bangkok Branch Vice Chairman, Finance Department, • 2012 - 2015 Citibank N.A. - Bangkok Branch Manager, Audit Department, • 2001 - 2011 Ernst & Young Office Company Limited Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Age : 43 Date of Appointment as Director : March 23, 2021 Education • Master of Management, College of Management, Mahidol University • Bachelor of Accountancy, Thammasat Business School, Thammasat University Training • Director Certification Program (DCP), Class 306/2021, Thai Institute of Directors Association (IOD) • Advanced Audit Committee Program (AACP), Class 41/2021, Thai Institute of Directors Association (IOD) • Financial and Fiscal Management Program for Senior Executive, Class 7, The Comptroller General’s Department (CGD) • Finance Academy - Chulalongkorn Business School Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / 25 and related transactions during 2021” Annual Report 2021 Government Housing Bank

Associate Professor Other Positions Dr. Thanavath Phonvichai • 2020 - Present President, University of the Thai Chamber of Commerce Independent Director • 2020 - Present Chairman and Independent Director, Intermedical Care and Lab Hospital Public Company Limited (From the Ministry of Finance’s list of State Enterprise Directors) • 2020 - Present Director, Muang Thai Insurance Public Company Limited Age : 57 • 2015 - Present Independent Director, Singha Estate Date of Appointment as Director : March 23, 2021 - January 17, 2022 Public Company Limited Education • 2014 - Present Director, The Government Lottery Office • Doctor of Philosophy in Applied Statistics and Research Methods, • 2012 - Present Independent Director, Nakhonluang Capital University of Northern Colorado, USA Public Company Limited • Master of Economics in Economics Development and Economics Experience Planning, The School of Development Economics, National Institute • 2016 -2019 Senior Vice President for Academic and Research of Development Administration Affairs, University of the Thai Chamber of Commerce • Bachelor of Economics in Financial Economics, Faculty of Economics, • 2016 - 2019 Director General, The Center for Economic and Ramkhamhaeng University Business Forecasting, University of the Training Thai Chamber of Commerce • Role of the Chairman Program (RCP), Class 48/2021, • 2016 - 2019 Director, The Government Lottery Office Thai Institute of Directors Association (IOD) • 2015 - 2020 Senior Expert (Economic and Trade Affairs), • Board Nomination and Compensation Program (BNCP), Class 7/2019, Thai National Food Commission Thai Institute of Directors Association (IOD) • 2015 - 2019 Senior Expert Director, Rubber Authority of Thailand • Advanced Audit Committee Program (AACP), Class 27/2017, • 2015 - 2016 Director, Internal Trade Committee, Thai Institute of Directors Association (IOD) The Thai Chamber of Commerce and Board of • Financial Statements for Directors (FSD), Class 31/2016, Trade of Thailand Thai Institute of Directors Association (IOD) • 2012 - 2016 Vice President for Research Affairs, University of • Successful Formulation & Execution Strategy (SFE), Class 26/2016, the Thai Chamber of Commerce Thai Institute of Directors Association (IOD) • 2009 - 2011 Dean of Faculty of Economics, University of • Director Certification Program (DCP), Class 224/2016, the Thai Chamber of Commerce Thai Institute of Directors Association (IOD) • 2009 - 2011 Senior Expert Director, • Director Accreditation Program (DAP), Class 51/2006, The National Tourism Committee Thai Institute of Directors Association (IOD) • 2009 - 2011 Director, Thai Nation Rice Policy Sub - Committee • Capital Market Leader Program, Class 16, (Marketing Affair) Capital Market Academy (CMA) • 2009 - 2011 Director, Monitoring and Evaluation of • The National Defence Course, Class 57, Macroeconomic Sub - Committee, Thailand National Defence College The Senate of Thailand • 2009 - 2011 Director, Trade Competition Committee, Ministry of Commerce • 2009 - 2011 Director, Study and Development Committee on Retail and wholesale Trade System, Ministry of Commerce • 2009 - 2011 Senior Expert Director, International Institute for Trade and Development • 2009 - 2011 Director, Economics and Academy Committee, The Thai Chamber of Commerce • 2009 - 2011 TV Moderator, “Jor Praden Khaoron” Program, Royal Thai Army Radio and Television • 2009 - 2011 TV Moderator, “SME Tong Du Pi 2” Program, The National Broadcasting Services of Thailand • 2009 - 2011 TV Guest Speaker, “Business Week” Program, Thai News Network • 2009 - 2011 TV Guest Speaker, “Khid Luk Kab Hokarnkha” Program, Thai News Network • 2006 - 2008 Director, The CFO Project Arrangement and Supervising Committee • 2006 - 2008 Director, The Economic and Academic Committee, The Thai Chamber of Commerce Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2021” 26 Annual Report 2021 Government Housing Bank

Dr. Krithpaka Boonfueng • Corporate Governance for Directors and Senior Executives of Regulators, State Enterprises and Public Organizations, Class 13, Independent Director King Prajadhipok’s Institute • Anti-Corruption for Executive Program (ACEP), Class 9/2014, (From the Ministry of Finance’s list of State Enterprise Directors) Thai Institute of Directors Association (IOD) • Director Certification Program (DCP), Class 173/2013, Age : 48 Thai Institute of Directors Association (IOD) Date of Appointment as Director : March 23, 2021 • Role of the Nomination and Governance Committee (RNG), Education Class 5/2013, Thai Institute of Directors Association (IOD) • Doctor of Juridical Science in The Intellectual Property • Risk Management Committee Program (RMP), Class 173/2013, and International Trade Law, American University, Thai Institute of Directors Association (IOD) Washington College of Law, Washington, D.C., USA • Master of Law (LL.M.), University of Pennsylvania, Other Positions Philadelphia, Pennsylvania, USA • 2018 - Present Deputy Executive Director, • Master of Law in International Legal Studies, American University National Innovation Agency (Public Organization) Washington College of Law, Washington, D.C., USA • 2016 - Present Lay judge, Central Intellectual Property and • Barrister at Law at 50 International Trade Court • Master of Laws in Business Laws, Faculty of Law, • 2006 - Present Lecturer (Intellectual Property Law, Chulalongkorn University Intellectual Property and Innovation Management • Bachelor of Laws (Second Class Honors), Faculty of Law, and Bioresources Management) in University, Thammasat University for example, Ramkhamhaeng University, Training Bangkok University, Mae Fah Luang University, • Role of the Chairman Program (RCP), Class 48/2021, College of Innovation, Thammasat University Thai Institute of Directors Association (IOD) and King Mongkut’s University of Technology • IT Governance and Cyber Resilience Program (ITG), Class 18/2021, Thonburi Thai Institute of Directors Association (IOD) • Capital Market Leader Program, Class 27, Capital Market Academy Experience Group Director (Legal Development Group and (CMA) • 2015 - 2018 Intellectual Property Management Group), Biodiversity-Based Economy Development Office (Public Organization) (BEDO) Temporary Duty at Secretariat of the Prime Minister • 2013 - 2013 Expert Member of the Board (Legal), • 2012 - 2017 Defence Technology Institute (Public Organization), Ministry of Defence Director, Institute of Intellectual Property and • 2012 - 2017 Business Incubator, Thammasat University (TUIPI) Chairman of Executive Committee, • 2012 - 2014 Universal Utilities Company Limited Advisor to Executive Committee, • 2012 - 2014 Eastern Water Resources Development and Management Public Company Limited Temporary Duty at Office of the Minister, • 2008 - 2010 Ministry of Science and Technology Intellectual Property Law Advisor, CTECH, • 2007 - 2008 The Siam Cement Public Company Limited Intellectual Property Expert and Senior Advisor, • 2003 - 2015 National Science and Technology Development Agency Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / 27 and related transactions during 2021” Annual Report 2021 Government Housing Bank

Mr. Narin Opamuratawongse Independent Director • Corporate Governance for Capital Market Intermediaries (CGI), Class 4/2015, Thai Institute of Directors Association (IOD) • Audit Committee Program (ACP), Class 5/2005, Thai Institute of Directors Association (IOD) • Director Accreditation Program (DAP), Class 16/2004, Thai Institute of Directors Association (IOD) • Advance Option and Derivative instruments, INSEAD Fontainebleau, France Other Positions • 2021 - Present Commissioner, Energy Regulatory Commission Age : 62 Experience Director, The Thai Bond Market Association Date of Appointment as Director : March 23, 2021 • 2014 - 2021 Director, BBL Asset Management Company Limited Education • 2010 - 2021 Executive Vice President & Manager, • Master of Business Administration in Finance, • 2010 - 2020 Head of Investment Banking, University of Chicago, Chicago, IIIinois, USA Bangkok Bank Public Company Limited • Bachelor of Science in M.I.S & Managerial Statistics, Director and Head of Thailand Investment Banking, Syracuse University, New York, USA • 1999 - 2009 Citigroup Global Markets Asia Pacific Bank Training Director and Managing Director, • Stanford Business Leadership Series, 2021, • 1996 - 1999 Asset Plus Securities Company Limited Graduate School of Business, Stanford University Director and Co - Managing Director, • Director Certification Program (DCP), Class 308/2021, • 1993 - 1996 SCB Securities Company Limited Thai Institute of Directors Association (IOD) Vice President, Investment Banking Division, • IT Governance and Cyber Resilience Program (ITG), Class 308/2021, • 1992 - 1993 CMIC Finance & Securities Company Limited Thai Institute of Directors Association (IOD) Second Vice President, Structure Finance • Capital Market Leader Program, Class 15, Capital Market Academy • 1988 - 1992 Department, Chase Manhattan Bank, New York, (CMA) USA & Bangkok Thailand • Senior Executive Development Program, Fiscal Policy Research Research Analyst, International Economic and Institute, MOF, Kellogg School of Management, • 1983 - 1986 Social Affairs Division United Nations, New York, Northwestern University and The Maxwell School of Syracuse USA University Ownership of Share in any Corporation more than 10% : None * Conflict of interest in Government Housing Bank : None * Family Relationship with Director and Executive Officer : None * Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2021” 28 Annual Report 2021 Government Housing Bank

Mr. Theeraj Athanavanich Director (From the Ministry of Finance’s list of State Enterprise Directors) Other Positions • 2022 - Present Chairman, Tobacco Authority of Thailand • 2021 - Present Deputy Permanent Secretary, Ministry of Finance • 2020 - Present Director, Corporate Bond Stabilization Fund Investment Committee • 2015 - Present Director, PTTLNG Company Limited Age : 55 Experience Director, Tobacco Authority of Thailand Date of Appointment as Director : March 23, 2021 - October 27, 2021 • 2019 - 2022 Bond Market Advisor, Public Debt Management Education • 2016 - 2021 Office, Ministry of Finance • Master of Business Administration (Finance), Advisor, The Board of Thai Bond Market Association University of Alabama at Birmingham, USA • 2017 - 2018 Director, Financial Institutions Development Fund • Master of Business Administration (Marketing), • 2016 - 2019 Management Committee Chulalongkorn University Deputy Director, Public Debt Management Office, • Bachelor of Business Administration (Finance and Banking), • 2015 - 2016 Ministry of Finance Chulalongkorn University Chairman / Director, Asean Potash Chaiyaphum Training • 2013 - 2021 Public Company Limited • Public Legal Executive Training Program Class 8, Director of Management Committee, Office of the Council of State • 2009 - 2013 Forest Industry Organization • The National Defence Course, Class 58, Director, Public Infrastructure Project Manage Thailand National Defence College • 2007 - 2015 and Evaluation Bureau, Public Debt Management • The Civil Service Executive Development Program : Visionary and Office, Ministry of Finance Moral Leadership, Class 68, Office of the Civil Service Commission Senior Expert on Public Debt and Obligation, • Senior Executive Program, Columbia University, USA • 2006 - 2007 Public Debt Management Office, Ministry of Finance • Directors Certification Program (DCP), Class 48/2004, Thai Institute of Directors Association (IOD) Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / 29 and related transactions during 2021” Annual Report 2021 Government Housing Bank

Mr. Chatchai Sirilai President (From the Ministry of Finance’s list of State Enterprise Directors) • Leadership Succession Program (LSP), Class 1, Institute of Research and Development for Public Enterprises (IRDP) • Senior Executive Program (SEP), Sasin Graduate Institute of Business Administration of Chulalongkorn University • Leadership program, University of Cambridge - Thammasat University • International Housing Finance Program, The Wharton School, University of Pennsylvania, USA • Pacific Rim Bankers Program, University of Washington, USA Other Positions • 2021 - Present Director, National Digital ID Company Limited • 2021 - Present Member of the State Enterprise Labour Relation Committee (Employer), Ministry of Labour • 2017 - Present Chairman, The Government Financial Institutions Association • 2016 - Present Executive Chairman, Real Estate Information Center • 2016 - Present Vice President, National Credit Bureau Company Limited • 2016 - Present Director and Secretary to Board of Director, Real Estate Information Center Age : 50 Experience Member of the State Enterprise Labour Relation Date of Appointment as Director : May 4, 2016 • 2017 - 2020 Committee (Employer), Ministry of Labour Education Executives Committee, The International Union • Master of Science in Computer Science, Syracuse University, • 2013 - 2020 for Housing Finance New York, USA Director, Chairman of the Executive Committee, • Bachelor of Science, Statistic (Electronic Data Processing), • 2013 - 2016 Member of the Risk Management Committee, Chulalongkorn Business School, Chulalongkorn University Secondary Mortgage Corporation Training Senior Executive Vice President, • The Programme for Senior Executives on Justice Administration, • 2012 - 2016 Credit Business Unit, Government Housing Bank Class 23/2018, Nation Justice Academy, Office of Judiciary Executive Vice President, Credit Operations Group • Advanced Certificate Course in Politics and Governance in Democratic • 2010 - 2012 and Acting Senior Executive Vice President Systems for Executives, Class 19, King Prajadhipok’s Institute Credit Business Unit, Government Housing Bank • Capital Market Leader Program, Class 23, Capital Market Academy Executive Vice President, Corporate Management (CMA) • 2008 - 2009 Group, Government Housing Bank • Top Executive Program in Commerce and Trade (TEPCoT), Class 6, Senior Vice President, Office of the President Commerce Academy • 2004 - 2008 and Acting Senior Vice President, • Corporate Governance for Directors and Senior Executives of Corporate Communications Department, Regulators, State Enterprises and Public Organizations, Class 7, Government Housing Bank King Prajadhipok’s Institute. Senior Vice President, Marketing Analysis • Driving Company Success with IT Governance (ITG), Class 3/2016, • 2004 - 2004 Department, Government Housing Bank Thai Institute of Directors Association (IOD) • Successful Formulation and Execution of Strategy (SFE), Class 5/2009, Thai Institute of Directors Association (IOD) Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2021” 30 Annual Report 2021 Government Housing Bank

Annual Report 2021 31 Government Housing Bank

Board of Directors Year 2022 Mr. Patchara Anuntasilpa • Development of Relationships for National Defense Resource Management (DEF), Class 7, Office of the comptroller general Chairman • The Supplementary Civil Service Executive Development Program (OCSC), Class 3/2011, Office of the Civil Service Commission. (From the Ministry of Finance’s list of State Enterprise Directors) • The Civil Service Executive Development Program Visionary and Moral Leadership, Class 46, Office of the Civil Service Commission. Age : 50 • Foreign Affairs Executive Program, Class 3/2011, Date of Appointment as Chairman of the Board : January 18, 2022 Ministry of Foreign Affairs Education • Fundamentals of Public Procurement, United Nations Development • Master of Business Administration (MBA), Programme : UNDP, Danmark Shenandoah University, USA • WTO Advanced Regional Workshop on Government Procurement for • Bachelor of Business Administration in Finance, Asia and Pacific Economies World Trade Organization : WTO, People’s School of Business Administration, Bangkok University Republic of China Training • Executive Program for Senior Management, Fiscal Policy Research • Director’s Briefing - Corporate Strategy Beyond The Crisis, a Chairman/ Institute Foundation Coordinate with Kellogg School of Management Board Perspective, Bain & Company, Incorporated and Maxwell School of Citizenship and Public Affairs and • Executive Development Training Program, Class 2020, Schulich School of Business Royal Thai Police Other Position • The Program for Senior Executives on Justice Administration, • 2020 - Present Director General, Thai Customs Department, Class 23/2019, Judicial Training Institute, Court of Justice Ministry of Finance • Top Executive Program in Commerce and Trade (TEPCoT), • 2020 - Present Director, Expert in Organizational Development, Class 11/2018, Commerce Academy Office of the Judicial Administration Commission • Super Series : Leadership & Effective Corporate Culture, Class 2, • 2020 - Present Director and Member of Remuneration Committee, Institute of Research and Development for Public Enterprises (IRDP) PTT Exploration and Production Coordinate with Judge Business School, University of Cambridge Public Company Limited • Capital Market Leader Program, Class 24, Capital Market Academy • 2020 - Present Chairman of Audit Committee, Institute for Good (CMA) Governance Promotion, Office of the Public Sector • Director Certification Program (DCP) Class 221/2016, Development Commission (OPDC) Thai Institute of Directors Association (IOD) •E xp2e0r2ie0n-c2e022 • Financial Analysis, Haas School of Business, Chairman of the Sub -Committee on the Supervision, University of California at Berkeley, USA Inspection and Monitoring of Road Safety Fund, • 2019 - 2022 Department of Land Transport • 2019 - 2021 Chairman, Government Saving Bank • 2019 - 2021 Chairman, The Government Lottery Office Director of Commission for Judicial Service, Expert in Organizational Development, • 2018 - 2020 Office of the Commission For Judicial Service Director General, The Excise Department, • 2018 - 2019 Ministry of Finance • 2017 - 2018 Director, State Railway of Thailand Director General, The Treasury Department, • 2016 - 2017 Ministry of Finance Deputy Permanent Secretary, Chief of the Expense • 2015 - 2016 and Debt Cluster, Ministry of Finance Advisor of Fiscal and Financial System Development, The Comptroller General’s • 2015 - 2015 Department, Ministry of Finance Deputy Director – General, The Comptroller • 2011 - 2015 General’s Department, Ministry of Finance Division Chief, Non-Budgetary Developmen Division The Comptroller General’s Department, Ministry of Finance Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2020” As of March 23, 2021 32 Annual Report 2021 Government Housing Bank

Mr. Chanvit Nakburee • Senior Executive Program : Leadership with Passion to Reform, Drive Strategy, and Settle Reconciliation (RSR), Director Strategic Transformation Office • Senior Executive Development Programme (SEDP), Class 9, (From the Ministry of Finance’s list of State Enterprise Directors) Office of the Civil Service Commission • The Civil Service Executive Development Program : Visionary and Age : 58 Moral Leadership, Class 77, Office of the Civil Service Commission Date of Appointment as Director : October 28, 2021 • Corporate Governance for Directors and Senior Executives of Education Regulators, State Enterprises and Public Organizations, Class 9, • Master of Business Administration in General Management, King Prajadhipok’s Institute Faculty of Business Administration, Ramkhamhaeng University • Bachelor of Business Administration in Accounting, Other Positions Faculty of Business Administration, Ramkhamhaeng University • 2019 - Present State Enterprise Performance Appraisal Advisor, Training The State Enterprise Policy Office, • Director Certification Program (DCP) Class 312/2021, Ministry of Finance Thai Institute of Directors Association (IOD) • 2019 - Present Director, The Government Lottery Office • Role of the Chairman Program (RCP), Class 48/2021, • 2015 - Present Director, National Credit Bureau Company Limited Thai Institute of Directors Association (IOD) • The National Defence Course, Class 61, Experience Director, Small and Medium Enterprise Thailand National Defence College • 2017 - 2021 Development Bank of Thailand • The Executive Program in Energy Literacy for a Sustainable Future, Deputy Director, The State Enterprise Policy Office, Class 10, Thailand Energy Academy • 2016 - 2019 Ministry of Finance Director, Dairy Farming Promotion Organization • 2015 - 2016 of Thailand Director, State Enterprise Policy and Planning • 2010 - 2016 Bureau, The State Enterprise Policy Office, Ministry of Finance Director, NEP Realty and Industry • 2010 - 2016 Public Company Limited Director, Portfolio Management Bureau, • 2009 - 2010 The State Enterprise Policy Office, Ministry of Finance Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / 33 and related transactions during 2021” Annual Report 2021 Government Housing Bank

Ms. Patcharee Arayakul Director (From the Ministry of Finance’s list of State Enterprise Directors) Other Positions • 2020 - Present Permanent Secretary, Ministry of Social Development and Human Security • 2020 – Present Director, National Housing Authority • 2020 - Present Chairman, Office of the Government Pawnshop • 2020 - Present Director, The Committee of Coordinating and Monitoring of Anti-Human Trafficking • 2020 - Present Secretary, The Committee of Anti-Human Trafficking • 2020 - Present Vice Chairman, The Sub Committee of Coordinating and Monitoring of Anti-Human Trafficking • 2020 - Present Chairman, The Committee of Fund Management for Anti-Human Trafficking Experience • 2019 - 2020 Deputy Permanent Secretary, Ministry of Social Development and Human Security • 2019 - 2020 Director, The Committee of The Community Organizations Development Institute (CODI) • 2019 - 2020 Director and Secretary, The Committee of Monitoring and Evaluation of Anti-Human Trafficking Age : 59 • 2019 - 2020 Deputy in the board of National Strategy on Date of Appointment as Director : October 22, 2019 Prevent and Eliminate Corruption Committee Education (Third) (2017-2021) : (1) The Pushing of Strategy 1 to Against Societies of Corruption Committee. • Bachelor of Arts in Physical Education, Faculty of Education, • 2018 – 2019 Inspector General, Ministry of Social Development Kasetsart University and Human Security Training • 2017 – 2018 Deputy Director General, Department of Women’s • Director Certification Program (DCP), Class 305/2021, Affairs and Family Development Thai Institute of Directors Association (IOD) Director, Gender Equality Promotion Division, • 2014 - 2017 Department of Women’s Affairs and Family • Inspector’s course of Ministry, Office of the Permanent Secretary, Development Prime Minister Office Director of Nonthaburi Provincial Social • The Civil Service Executive Development Program : Visionary and Moral Development and Human Security Office Leadership, Class 83, Office of the Civil Service Commission • 2012 - 2014 Director of Chachoengsao Provincial Social Development and Human Security Office • Public Administration and Law for Executives, Class 14, • 2012 – 2012 King Prajadhipok’s Institute • The Basic English for ASEAN Community : BEAC, Devawongse Varopakaran Institute of Foreign Affairs, Ministry of Foreign Affairs Ownership of Share in any Corporation more than 10% : None* • The Executive of Social Development and Human Security, Class 5, Conflict of interest in Government Housing Bank : None* Ministry of Social Development and Human Security • Expert on Social Development and Human Security, Ministry of Social Family Relationship with Director and Executive Officer : None* Development and Human Security (World Bank Scholarship) Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2021” 34 Annual Report 2021 Government Housing Bank

Dr. Kirida Bhaopichitr Independent Director • Site Visit : Marking Innovation Happen (HUAWEI), Thailand Productivity Institute (FTPI) • Thammasat Leadership Program (TLP), Class 12/2018, Thammasat Association • Capital Market Academy for Greater Mekong Subregion (CMA-GMS), Class 3/2017, Capital Market Academy • Executive Media Management Course, Class 6/2015, Isra Institute Thai Press Development Foundation • Capital Market Leader Program, Class 16/2013, Capital Market Academy Age : 51 Other Positions Date of Appointment as Director : March 23, 2021 • 2022 - Present Honorary Director, Khon Kaen University Council, Education Khon Kaen University • Doctor of Philosophy in Economics, Cornell University, USA • 2018 - Present Independent Director, Pridi Banomyong • Master of Economics, Cornell University, USA International College, Thammasat University • Bachelor Degree in Economics, Faculty of Economics, • 2015 - Present Director, TDRI Economic Intelligence Service (EIS), Thammasat University Thailand Development Research Institute (TDRI) Training • 2014 - Present Committee Member, Thammasat Economic • Role of the Chairman Program (RCP), Class 48/2021, Association Thai Institute of Directors Association (IOD) • IT Governance and Cyber Resilience Program (ITG), Class 18/2021, Experience Honorary Director, Faculty of Economics, Thai Institute of Directors Association (IOD) • 2013 - 2015 Thammasat University • Financial Statements for Directors (FSD), Class 42/2020, Member of Subcommission on Government Thai Institute of Directors Association (IOD) • 2013 - 2014 Scholarship Development, Office of Civil Service • Corporate Governance for Directors and Senior Executives of Commission Regulators, State Enterprises and Public Organizations, Class 20 Subcommittee on Fiscal Issue, King Prajadhipok’s Institute. • 2013 - 2014 The Senate of Thailand • Director Certification Program (DCP) (2019), Class 247/2019, Senior Country Economist for Thailand, Thai Institute of Directors Association (IOD) • 2011 - 2015 The World Bank Group, Bangkok Office • Board Nomination and Compensation Program (BNCP), Class 8/2019, Member of Subcommission on Reducing & Thai Institute of Directors Association (IOD) • 2011 - 2014 Improving Business Processes, Office of Public Sector Development Commission Senior Economist for East Asia and Pacific Region, • 2010 - 2011 The World Bank Group, Washington D.C. (Head Office) Economist, The World Bank Group, Bangkok Office • 2003 - 2010 Consultant, The Boston Consulting Group, Bangkok • 2000 - 2001 Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / 35 and related transactions during 2021” Annual Report 2021 Government Housing Bank

Mr. Krit Sesavej Independent Director (From the Ministry of Finance’s list of State Enterprise Directors) Other Positions • 2020 - Present Independent Director and Member of Risk Management Committee, Airports of Thailand Public Company Limited (AOT) Experience • 2012 - 2018 President, Bangkok Commercial Asset Management Public Company Limited • 2012 - 2018 Director and Member of Risk Management Committee, Bangkok Commercial Asset Management Public Company Limited • 2008 - 2012 Senior Executive Vice President, Head Office Loan Restructuring Group, Bangkok Commercial Asset Management Public Company Limited • 2006 - 2008 Executive Vice President, Loan Restructuring, Bangkok Commercial Asset Management Public Company Limited • 2000 - 2006 Assistant Vice President , Financial Institution Asset Management Corporation • 1994 - 1997 Senior Vice President, Brokerage Business Age : 59 Department, Akethamrong Securities Date of Appointment as Director : March 23, 2021 Public Company Limited Education • 1987 - 1993 Assistant Manager, Business Development Department, Kasikornbank Public Company Limited • Master of Business Administration in Management, Catholic University, USA • Bachelor of Economics in Marketing, Faculty of Economics, Ownership of Share in any Corporation more than 10% : None* Kasetsart University Conflict of interest in Government Housing Bank : None* Training Family Relationship with Director and Executive Officer : None* • Risk Management Program for Corporate Leaders (RCL), Class 23/2021, Thai Institute of Directors Association (IOD) • Director Certification Program (DCP), Class 305/2021, Thai Institute of Directors Association (IOD) • Role of the Chairman Program (RCP), Class 48/2021, Thai Institute of Directors Association (IOD) • Capital Market Leader Program, Class 19, Capital Market Academy (CMA) • Director Accreditation Program (DAP) Class 118/2015, Thai Institute of Directors Association (IOD) Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2021” 36 Annual Report 2021 Government Housing Bank

Mr. Ratsapa Chirakranont Independent Director Other Positions • 2017 - Present Senior Vice President, Finance Department, Minor Dairy Company Limited Experience Vice Chairman, Finance Department, • 2015 - 2017 Bank of America N.A. - Bangkok Branch Vice Chairman, Finance Department, • 2012 - 2015 Citibank N.A. - Bangkok Branch Manager, Audit Department, • 2001 - 2011 Ernst & Young Office Company Limited Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Age : 43 Date of Appointment as Director : March 23, 2021 Education • Master of Management, College of Management, Mahidol University • Bachelor of Accountancy, Thammasat Business School, Thammasat University Training • Director Certification Program (DCP), Class 306/2021, Thai Institute of Directors Association (IOD) • Advanced Audit Committee Program (AACP), Class 41/2021, Thai Institute of Directors Association (IOD) • Financial and Fiscal Management Program for Senior Executive, Class 7, The Comptroller General’s Department (CGD) • Finance Academy - Chulalongkorn Business School Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / 37 and related transactions during 2021” Annual Report 2021 Government Housing Bank

Dr. Krithpaka Boonfueng • Anti-Corruption for Executive Program (ACEP), Class 9/2014, Thai Institute of Directors Association (IOD) Independent Director • Director Certification Program (DCP), Class 173/2013, Thai Institute of Directors Association (IOD) (From the Ministry of Finance’s list of State Enterprise Directors) • Role of the Nomination and Governance Committee (RNG), Class 5/2013, Thai Institute of Directors Association (IOD) Age : 48 • Risk Management Committee Program (RMP), Class 173/2013, Date of Appointment as Director : March 23, 2021 Thai Institute of Directors Association (IOD) Education • Doctor of Juridical Science in The Intellectual Property and Other Positions International Trade Law, American University, Washington College • 2018 - Present Deputy Executive Director, of Law, Washington, D.C., USA National Innovation Agency (Public Organization) • Master of Law (LL.M.), University of Pennsylvania, Philadelphia, • 2016 - Present Lay judge, Central Intellectual Property and Pennsylvania, USA International Trade Court • Master of Law in International Legal Studies, American University • 2006 - Present Lecturer (Intellectual Property Law, Washington College of Law, Washington, D.C., USA Intellectual Property and Innovation Management • Barrister at Law at 50 and Bioresources Management) in University, • Master of Laws in Business Laws, Faculty of Law, for example, Ramkhamhaeng University, Chulalongkorn University Bangkok University, Mae Fah Luang University, • Bachelor of Laws (Second Class Honors), Faculty of Law, College of Innovation, Thammasat University and Thammasat University King Mongkut’s University of Technology Thonburi Training • Role of the Chairman Program (RCP), Class 48/2021, Experience Group Director (Legal Development Group and Thai Institute of Directors Association (IOD) • 2015 - 2018 Intellectual Property Management Group), • IT Governance and Cyber Resilience Program (ITG), Class 18/2021, Biodiversity-Based Economy Development Office Thai Institute of Directors Association (IOD) (Public Organization) (BEDO) • Capital Market Leader Program, Class 27, Capital Market Academy Temporary Duty at Secretariat of the Prime Minister (CMA) • 2013 - 2013 Expert Member of the Board (Legal), • Corporate Governance for Directors and Senior Executives of • 2012 - 2017 Defence Technology Institute (Public Organization), Regulators, State Enterprises and Public Organizations, Class 13, Ministry of Defence King Prajadhipok’s Institute Director, Institute of Intellectual Property and • 2012 - 2017 Business Incubator, Thammasat University (TUIPI) Chairman of Executive Committee, • 2012 - 2014 Universal Utilities Company Limited Advisor to Executive Committee, Eastern Water • 2012 - 2014 Resources Development and Management Public Company Limited Temporary Duty at Office of the Minister, • 2008 - 2010 Ministry of Science and Technology Intellectual Property Law Advisor, CTECH, • 2007 - 2008 The Siam Cement Public Company Limited Intellectual Property Expert and Senior Advisor, • 2003 - 2015 National Science and Technology Development Agency Ownership of Share in any Corporation more than 10% : • The Golden Bamboo Company Limited • Dee Trilittleping Company Limited Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2021” 38 Annual Report 2021 Government Housing Bank

Mr. Narin Opamuratawongse • Audit Committee Program (ACP), Class 5/2005, Thai Institute of Directors Association (IOD) Independent Director • Director Accreditation Program (DAP), Class 16/2004, Thai Institute of Directors Association (IOD) Age : 62 • Advance Option and Derivative instruments, Date of Appointment as Director : March 23, 2021 INSEAD Fontainebleau, France Education • Master of Business Administration in Finance, University of Chicago, Other Positions Chicago, IIIinois, USA • 2021 - Present Commissioner, Energy Regulatory Commission • Bachelor of Science in M.I.S & Managerial Statistics, Syracuse University, New York, USA Experience Director, The Thai Bond Market Association Training • 2014 - 2021 Director, BBL Asset Management Company Limited • Stanford Business Leadership Series, 2021, Graduate School of • 2010 - 2021 Executive Vice President & Manager, Business, Stanford University • 2010 - 2020 Head of Investment Banking, • Director Certification Program (DCP), Class 308/2021, Bangkok Bank Public Company Limited Thai Institute of Directors Association (IOD) Director and Head of Thailand Investment Banking, • IT Governance and Cyber Resilience Program (ITG), Class 18/2021, • 1999 - 2009 Citigroup Global Markets Asia Pacific Bank Thai Institute of Directors Association (IOD) Director and Managing Director, Asset Plus Securities • Capital Market Leader Program, Class 15, Capital Market Academy • 1996 - 1999 Company Limited (CMA) Director and Co - Managing Director, • Senior Executive Development Program, Fiscal Policy Research • 1993 - 1996 SCB Securities Company Limited Institute, MOF, Kellogg School of Management,Northwestern Vice President, Investment Banking Division, University and The Maxwell School of Syracuse University • 1992 - 1993 CMIC Finance & Securities Company Limited • Corporate Governance for Capital Market Intermediaries (CGI), Second Vice President, Structure Finance Class 4/2015, Thai Institute of Directors Association (IOD) • 1988 - 1992 Department, Chase Manhattan Bank, New York, USA & Bangkok Thailand Research Analyst, International Economic and • 1983 - 1986 Social Affairs Division United Nations, New York, USA Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / 39 and related transactions during 2021” Annual Report 2021 Government Housing Bank

Mr. Boonchai Charassangsomboon Director (From the Ministry of Finance’s list of State Enterprise Directors) • 2021 - Present Director, The Government Pharmaceutical Organization • 2020 - Present Member of Executive Committee, Neighbouring Countries Economic Development Cooperation Agency (Public Organization) Age : 59 Experience Director, National Credit Bureau Company Limited Date of Appointment as Director : January 18, 2022 • 2020 - 2022 Director, Government Saving Bank Education • 2018 - 2022 Director, The Government Pharmaceutical • Master of Economics, Macquarie University, Sydney, Australia • 2020 - 2020 Organization • Master of Science in Development Economic, National Institute of Director, Sukhumvit Asset Management Development Administration (NIDA) • 2017 - 2019 Company Limited (SAM) • Bachelor of Arts (Political Science), Chulalongkorn University Director, MFC Asset Management • 2019 - 2019 Public Company Limited Training Director, PTT Oil Myanmar Company Limited • Advanced Audit Committee Program (AACP), Class 41/2021, • 2018 - 2018 Chairman, Secondary Mortgage Corporation Thai Institute of Directors Association (IOD) • 2017 - 2018 Director, The Asian Infrastructure Investment Bank • Risk Management Program for Corporate Leaders (RCL), Class 24/2021, • 2016 - 2018 (AIIB) Thai Institute of Directors Association (IOD) International Economic Advisor, Fiscal Policy Office • IT Governance and Cyber Resilience Program (ITG), Class 16/2021, • 2015 - 2018 Member of Executive Committee, Thai Institute of Directors Association (IOD) • 2015 - 2018 Neighbouring Countries Economic Development • Corporate Governance for Capital Market Intermediaries (CGI), Cooperation Agency Class 16/2016, Thai Institute of Directors Association (IOD) Director, Government Saving Bank • Directors Certification Program (DCP), Class 75/2006, • 2017 - 2017 Director, TSFC Securities Public Company Limited Thai Institute of Directors Association (IOD) • 2016 - 2017 Executive Director of the International Economic • The National Defence Course, Class 60/2017, • 2015 – 2015 Policy Bureau, Fiscal Policy Office National Defence Collage Alternate Executive Director, World Bank • Advanced Management Program 183 (AMP 183), 2012, • 2013 - 2015 Director, The Bangkok Dock Company (1957) Harvard Business School, USA • 2012 - 2013 Limited Executive Director of the Macroeconomic Policy Other Positions • 2010 - 2013 Bureau, Fiscal Policy Office • 2018 - Present Inspector General, Ministry of Finance Director, Tobacco Authority of Thailand (TOAT), • 2021 - Present Director, Government Pension Fund • 2010 - 2011 Ministry of Finance Ministry (Economic and Financial) • 2006 - 2010 Office of Economic and Financial Affairs, Royal Thai Embassy, London Director, Thailand Post Company Limited • 2005 - 2006 Executive Director of the Finance, • 2005 - 2006 Savings and Investment Policy Bureau, Fiscal Policy Office Ownership of Share in any Corporation more than 10% : None* Conflict of interest in Government Housing Bank : None* Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / and related transactions during 2021” 40 Annual Report 2021 Government Housing Bank

Mr. Chatchai Sirilai President (From the Ministry of Finance’s list of State Enterprise Directors) • Senior Executive Program (SEP), Sasin Graduate Institute of Business Administration of Chulalongkorn University • Leadership program, University of Cambridge - Thammasat University • International Housing Finance Program, The Wharton School, University of Pennsylvania, USA • Pacific Rim Bankers Program, University of Washington, USA Other Positions • 2021 - Present Director, National Digital ID Company Limited • 2021 - Present Member of the State Enterprise Labour Relation Committee (Employer), Ministry of Labour • 2017 - Present Chairman, The Government Financial Institutions Association • 2016 - Present Executive Chairman, Real Estate Information Center • 2016 - Present Vice President, National Credit Bureau Company Limited • 2016 - Present Director and Secretary to Board of Director, Real Estate Information Center Age : 50 Experience Member of the State Enterprise Labour Relation Date of Appointment as Director : May 4, 2016 • 2017 - 2020 Committee (Employer), Ministry of Labour Education Executives Committee, The International Union • Master of Science in Computer Science, Syracuse University • 2013 - 2020 for Housing Finance New York, USA Director, Chairman of the Executive Committee, • Bachelor of Science, Statistic (Electronic Data Processing), • 2013 - 2016 Member of the Risk Management Committee, Chulalongkorn Business School, Chulalongkorn University Secondary Mortgage Corporation Senior Executive Vice President, Training • 2012 - 2016 Credit Business Unit, Government Housing Bank • The Programme for Senior Executives on Justice Administration, Executive Vice President, Credit Operations Group Class 23/2018, Nation Justice Academy, Office of Judiciary • 2010 - 2012 and Acting Senior Executive Vice President, • Advanced Certificate Course in Politics and Governance in Democratic Credit Business Unit, Government Housing Bank Systems for Executives, Class 19, King Prajadhipok’s Institute Executive Vice President, Corporate Management • Capital Market Leader Program, Class 23, Capital Market Academy • 2008 - 2009 Group, Government Housing Bank (CMA) Senior Vice President, Office of the President • Top Executive Program in Commerce and Trade (TEPCoT), Class 6, • 2004 - 2008 and Acting Senior Vice President, Commerce Academy Corporate Communications Department, • Corporate Governance for Directors and Senior Executives of Government Housing Bank Regulators, State Enterprises and Public Organizations, Class 7, Senior Vice President, Marketing Analysis King Prajadhipok’s Institute. • 2004 - 2004 Department, Government Housing Bank • Driving Company Success with IT Governance (ITG), Class 3/2016, Thai Institute of Directors Association (IOD) • Successful Formulation and Execution of Strategy (SFE), Class 5/2009, Ownership of Share in any Corporation more than 10% : None* Thai Institute of Directors Association (IOD) • Leadership Succession Program (LSP), Class 1, Institute of Research Conflict of interest in Government Housing Bank : None* and Development for Public Enterprises (IRDP) Family Relationship with Director and Executive Officer : None* Remark : * Information provided by Director’s Disclosure Form; “The list of State Enterprises and companies that G H Bank’s Director was appointed / held securities (Shares) / 41 and related transactions during 2021” Annual Report 2021 Government Housing Bank

Management Team Mr. Kamonpop Veerapala Mr. Witthaya Saenphakdee FSiennainocreExaencdutAivcecoVuicnetinPgreBsuidseinnet,ss Unit SMeanrikoertiEnxgeBcuutsiivneesVsicUenPitresident, Age : 56 Age : 57 years Date of Appointment : September 4, 2009 Date of Appointment : October 7, 2013 Education Education • MBA Indiana University, USA • Master of Business Administration, Ramkhamhaeng University • Bachelor of Accounting Kasetsart University • Bachelor of Economics, Ramkhamhaeng University Training Training • Senior Executive Program, Batch 30 (2020), Capital Market Academy • Joint Government-Private Sector Administration of Society’s Peace • Corporate Governance for Directors and Senior Executives of Regulators, and Order Course : Batch 7, Class of 2020, Police Education Bureau, State Enterprises and Public Organizations, Batch 23 (2020), Royal Thai Police King Prajadhipok’s Institute • Politics and Governance in Democratic Systems for Executives Rationale, • Thailand Insurance Leadership Program, Batch 8, Office of Insurance Batch 21, Class of 2017, King Prajadhipok’s Institute Commission • Thammasat Leadership Program (TLP), Batch 8, Class of 2016, • Thammasat World Leadership Program (TWLP Batch 1), Thammasat Association Thammasat Association • Leadership Succession Program (LSP), Batch 5, Class of 2015, • Senior Executive Program on National Justice, Batch 20, Institute of Research and Development for Public Enterprises (IRDP) Judicial Training Institute • International Housing Finance Program, The Wharton School, • Thammasat Leadership Program (TLP Batch 4), Thammasart Association University of Pennsylvania, Class of 2014, USA • Leadership Succession Program (LSP Batch 4) Institute of Research and • Financial Executive Development Program (FINEX), Batch 22, Development for Public Enterprises (IRDP) Class of 2013, the Thai Institute of Banking and Finance Association • 3rd Thai and ASEAN Economic Community – AEC Certification Program, • Certificate of Applied Psychology and Operation for Management, King Prajadhipok’s Institute Batch 111, Class of 2012, Institute of Security Psychology • 13th Government and Public Law Management Diploma, Other Positions (External Positions) : None King Prajadhipok’s Institute • 3rd Strategic Plan for the Anti-Corruption Executive Program, Experience National Anti-Corruption Commission • 2017 Senior Executive Vice President, • 14th (CFO) Chief Finance Officer Certification Program, Federation of Strategy Planning Business Unit, Government Housing Bank Accounting Professions, Under the Royal Patronage of His Majesty the King • 2016 - 2017 Executive Vice President, Strategy Planning Group 1 • Improving and Expanding Housing Finance System Wharton Real Estate and Acting Senior Executive Vice President, Center University Of Pennsylvania, USA Strategy Planning Business Unit, Government Housing Bank • Fannie Mae International Housing Symposium Series 2005, USA • 2013 - 2016 Executive Vice President, Regional Branch Group 2 Other Positions (External Positions) : None and Acting Senior Executive Vice President, Regional Branch Business Unit, Government Housing Bank Experience • 2009 - 2013 Senior Vice President Regional Branch 2 Department, Government Housing Bank • 2013 - 2017 Senior Executive Vice President, Audit Business Unit, Government Housing Bank Family Relationship with Directors and Executive : None • 2009 - 2013 Executive Vice President, Audit and Compliance Group, Government Housing Bank • 2005 - 2009 Senior Vice President, Risk Management Department, Government Housing Bank Family Relationship with Directors and Executive : None 42 Annual Report 2021 Government Housing Bank

Ms. Chatravee Chirakunmethaphat Ms. Orada Chareonsilp BSeranniocrhEBxuesciunteivsseUVnicite President, B(EaqnukivInaslepnetcttoorSenior Executive Vice President) Age : 59 Age : 50 Date of Appointment : January 4, 2017 Date of Appointment : September 4, 2009 Education Education • Master of Art in Business Administration, Dhurakij Pundit University • MBA international Business (Finance) The George Washington University • Bachelor of Art in Political Science - Public Administration, • BBA, Finance (1st class honors) Thammasat University Chulalongkorn University Bangkok, Thailand Training Training • Objectives and Key Results (OKRs) for Organization, • Bhumipalung Phandin Class 5, Chulalongkorn University Government Housing Bank • Global Bankers Program 2018, University of Washington, USA • Thailand 4.0 Change Senior Leader, Government Housing Bank • Leadership Succession Program (LSP), Institute of Research • Quality Assessment (SEPA)/Transformation to Digital Banking, and Development for Public Enterprises (IRDP) Government Housing Bank • The Globalisation Question Cambridge Judge Business School, UK • Internal Control to Protect Against Money Laundering, • Thailand 4.0 Change Senior Leader, Government Housing Bank Government Housing Bank Other Positions (External Positions) : None • Enhancement of Leadership Power, Government Housing Bank • TQA Criteria,Pre-Assesor, AssesorTraining Internal Organization Assesor, Experience Application • Pacific Rim Bankers Program 2015, Foster School of Business, • 2017 - 2018 Executive Vice President, Metropolitan Branch Group, University of Washington, USA Government Housing Bank • Thammasat Leadership Program (TLP Batch 5), Thammasart Association • 2013 - 2016 Senior Vice President, Bangkok Metropolitan Branch Other Positions (External Positions) : None Department 2, Government Housing Bank • 2010 - 2013 District Manager, Bangkok Metropolitan Branc Experience Executive Vice President Marketing and Business Development Administration Department, Government Housing Bank • 2018 • 2000 - 2013 Branch Manager, Bangkok Metropolitan Branch Department, Group 2, Government Housing Bank Government Housing Bank • 2018 Executive Vice President Finance and Accounting Group, • 1997- 2000 Assistant Branch Manager, Bangkok Metropolitan Branch Government Housing Bank Department, Government Housing Bank • 2014 - 2017 Executive Vice President Strategy Planning Group 2, • 1993 - 1997 Assistant section chief, Finance Department, Government Housing Bank Government Housing Bank • 2013 - 2014 Executive Vice President Finance and Accounting Group, • 1991- 1993 Chief Accountant (Bang Khen), Government Housing Bank Government Housing Bank • 1985 - 1991 Bank Teller (Ratchadamnoen), Government Housing Bank • 2010 – 2013 Executive Vice President Finance and Accounting Group And Family Relationship with Directors and Executive : None Acting Senior Executive Vice President Finance and Accounting Business Unit ,Government Housing Bank • 2009 - 2010 Executive Vice President Finance and Accounting Group, Government Housing Bank • 2008 - 2009 Senior Vice President, Compliance Department, Government Housing Bank • 2005 - 2008 Senior Vice President, Treasury Department, Government Housing Bank • 2004 - 2005 Senior Vice President, Risk Management Department, Government Housing Bank Family Relationship with Directors and Executive : None Annual Report 2021 43 Government Housing Bank

Dr. Vichai Viratkapan Mr. Pongsak Kumnuansiri (BEaqnukivInaslepnetcttoorSenior Executive Vice President) CSerendioitr BEuxesicnuetsivseUVniicte President, Age : 57 Age : 56 Date of Appointment : January 4, 2017 Date of Appointment : January 4, 2017 Education Education • Ph. D. in Human Settlements Development (Urban Planning, Land and • Bachelor of Business Administration Sukhothai Thammathirat Housing Development), School of Environment, Resources and Development Open University (SERD), Asian Institute of Technology (AIT) • Master of Urban and Regional Planning (Urban Planning), Training Faculty of Architecture, Chulalongkorn University • Master of Business Administration (Banking and Finance), Faculty of Business • Advanced Master of Management Program (AMM), Class 6, NIDA Administration, Ramkhamhang University • Leadership Succession Program (LSP), Class 10, • Bachelor of Arts (Political Sciences) Faculty of Social Science, Institute of Research and Development for Public Enterprises (IRDP) Kasetsart University • Financial Executive Development Program (FINEX), Class 25, The Thai institute of Banking and Finance Association Training • Pacific Rim Bankers Program 2013, Foster School of Business, University of Washington, USA • Certificate of Achievement, Pacific Rim Banker Program, University of Washington, USA Other Positions (External Positions) : • Thammasat Leadership Program (TLP Batch 8th), Thammasat University, Thailand Vice President Housing Finance Association • Certificate of Achievement in TQA Internal Organization Assessment, Thailand Productivity Institute, Thailand Experience Executive Vice President Credit Analysis Group, • Certificate of Achievement in Managerial Design and Development for Government Housing Bank Sustainability, Thailand Productivity Institute, Thailand • 2017- 2021 Senior Vice President Retail Credit Analysis Department, • Certificate of Participation in Scenario Planning for Strategic Decision Making, Government Housing Bank Universal Network Intelligence, Singapore. • 2011- 2016 • Certificate of Achievement in Advanced Risk Management, The Thai Institute of Banking and Finance Association, Thailand • Certificate of Achievement in International Housing Finance The International Family Relations with Directors and Executive : None Housing Finance Program, Wharton School of Business, University of Pennsylvania, Philadelphia, USA. • Certificate of Achievement in The Managerial Leader Workshop Grid International Inc., USA and Grid Organization Development and Change Management, Thailand • Certificate of Achievement, Modern Managements Development Program, Faculty of Commerce and Accountancy, Chulalongkorn University, Thailand • Certificate of Attendance, Securitization Forum 2005, Marcus Evans, Kuala Lumpur Malaysia • Certificate of Property Appraisal, Land Reform Training Institute (LRTI), Taoyuan, Taiwan Other Positions (External Positions) : None Experience • 2017 - 2018 Executive Vice President, Strategy Planning Group 2 and Acting Director of Real Estate Information Center (REIC), Government Housing Bank • 2016 - 2017 Senior Vice President, Corporate Assessment Department, Government Housing Bank • 2014 - 2016 Senior Vice President, Policy and Planning Department, Government Housing Bank Family Relationship with Directors and Executive : None 44 Annual Report 2021 Government Housing Bank

Ms. Thidaporn Mekingthong Mr. Apirat Aroonvilairat SCOeopnmeiroparltiiEaoxnnecceUunatiintvdeanVLdeicgeAaclPtMrineasgnidEaexgenectm,uetinvet GVrioceupPresident, ISnefnoiromr aEtxioecnuTtievcehVniocleogPyreUsindiet nt, Age : 49 Age : 59 Date of Appointment : March 14, 2017 Date of Appointment : October 1, 2021 Education Education • Master of Arts (Communication Arts), Chulalongkorn University • Master of Science (Information Technology) Eastern Asia University • Bachelor of Arts (Program in English), Kasetsart University • Bachelor of Science in Technical Ed. Electrical Technology Communication Rajamangala University Training Training • Advanced Certificate Course in Politics and Governance in Democratic Systems for Executives, Class 24, King Prajadhipok’s Institute • Leadership Succession Program (LSP), Class 10 • Financial & Fiscal Management Program for Senior Executive (FME), Class 6, • e-Government Executive Program, Class 7 The Comptroller General’s Department, Ministry of Finance • Program of Special Studies in Information Science and Telecommunications • Top Executive Program in Commerce and Trade (TEPCoT), Class 11, University of Pittsburgh, USA Commerce Academy, University of the Thai Chamber of Commerce Other Positions (External Positions) : None • Leadership Succession Program (LSP), Class 8, Institute of Research and Development for Public Enterprises (IRDP) Experience • International Housing Finance Program The Wharton School, • 2020 - 2021 Senior Executive Vice President, Information Technology Unit University of Pennsylvania, USA Acting Executive Vice President, Information Technology, • Organization Executive Mini MBA Thammasat University Government Housing Bank • 2017 - 2020 Executive Vice President Information Technology, Other Positions (External Positions) Government Housing Bank • 2016 - 2017 Senior Vice President IT Operation Department and Acting • Director, State Enterprise Labour Relations Law Sub - committee, Senior Vice President, Electronic Banking Department, Ministry of Labour Government Housing Bank • 2011 - 2516 Senior Vice President, IT Operations Department, Experience Government Housing Bank • 2011 Senior Vice President, IT Operations Department and Acting • 2021 - 20222 Senior Executive Vice President, Senior Vice President Information Technology Operation Unit and Acting Executive Vice President, Project Management and Core Bamking System Support Legal Group Government Housing Bank Department, Government Housing Bank • 2021 - 20211 Senior Executive Vice President, • 2010 - 2011 Senior Vice President, IT Planing & Production Operation Operation Unit Government Housing Bank Department, Government Housing Bank • 2020 - 2021 Executive Vice President, Support Group and Acting Senior Executive Vice President, Family Relationship with Directors and Executives : None Operation Unit Government Housing Bank • 2018 - 2020 Executive Vice President, Finance and Accounting Group, Government Housing Bank • 2017 - 2018 Executive Vice President, Head Office and Branch Support Group, Government Housing Bank • 2012 - 2017 Senior Vice President, Office of the President, Government Housing Bank Family Relationship with Directors and Executives : None Remark : 1 Take a position of Senior Executive Vice President, Operation Unit since July 2021 - September 2021 2 Take a position of Senior Executive Vice President, Operation Unit and Acting Executive Vice President, Legal Group since October 2021 - January 2022 Annual Report 2021 45 Government Housing Bank

Mr. Saksit Jittanoon Mr. Tuantong Treenuparb DESxeeenbcitourRtiEeoxsnterGcuurcottiuuvpreinaVgnicdUenAPictrteinsigdeExnet,cutive Vice President, EDxigeictaultiDveevVeilcoepPmreesnitdeGnrot,up Age : 56 Age : 58 Date of Appointment : January 2, 2019 Date of Appointment : November 25, 2013 Education Education • Master of Public Administration, • Kasetsart University Faculty of Engineering Major in Electrical 1980 National Institute of Development Administration • Bachelor of Political Science, Ramkhamhaeng University Training Training • Leadership Succession Program (LSP 3) 2013, Institute of Research and Development of Public Enterprises (IRDP) • Executive Coaching, Government Housing Bank • International Housing Finance Program of Wharton School University of • Pacific Rim Bankers Program 2017, Foster School of Business, Pennsylvania University of Washington, USA • Executive Program for Senior Management (Ex-PSM3) by Ministry of Finance • Financial Executive Development Program (FINEX), Class 23, • Pacific Rim Bankers Program 2006, Foster School of Business, The Thai Insstitute of Banking and Finance Association University of Washington, USA • Advanced Certificate Course in Public, King Prajadhipok’s Institute Economics Other Positions (External Positions) : None Management For Executive, Class 19 Other Positions (External Positions) : None Experience Experience • 2017 - 2020 Executive Vice President Marketing and Business Development 1, Government Housing Bank • 2019 - 2020 Executive Vice President Debt Management Group, • 2016 - 2017 Executive Vice President Information Technology, Government Housing Bank Government Housing Bank • 2016 - 2018 Senior Vice President Bangkok Metropolitan Debt Management • 2013 - 2016 Executive Vice President Marketing and Business Department, Government Housing Bank Development 1, Government Housing Bank • 2013 - 2015 Senior Vice President Western and South Branch Department, • 2011 - 2013 Senior Vice President Electronic Banking Department, Government Housing Bank Government Housing Bank Family Relationship with Directors and Executives : None • 2009 - 2011 Senior Vice President Bangkok Metropolitan Branch Department, Government Housing Bank • 2003 - 2009 Senior Vice President Customer Relationship Department, Government Housing Bank Family Relationship with Directors and Executives : None 46 Annual Report 2021 Government Housing Bank

Mr. Popkorn Charoenlarp Mr. Danai Sangsrichantara RExisekcMutaivneagVeicmeePnrteGsirdoeunpt, ERxeegciountaivleBVraicnechPrGersoiduepn3t, Age : 54 Age : 56 Date of Appointment : November 25, 2013 Date of Appointment : March 14, 2017 Education Education • Master of Public Administration, National Institute of • Master of Public Administration (M.P.A), National Institute of Development Development Administration. Administration (NIDA) • Bachelor of Laws, Sukhothai Thammathirat University • Bachelor of Business Administration, Ramkhamhaeng University Training Training • Security Management and Leadership for Executive Programme #2, • Leadership Succession Program. (LSP) Class 11, (IRDP) The Association of National Defense College of Thailand Under The Royal • Executive Strategic Management Program. Class 4, Patronage of His Majesty The King Thailand Productivity Institute. • Advanced Certificate Course in Public, King Prajadhipok’s Institute Economics • Advanced Certificate Course in Politics and Governance in Democratic Management For Executive, Class 18 Systems for Executives Class 22, King Prajadhipok’s Institute. • International Housing Finance Program 2014, The Wharton School, • Smart Marketing Class 2, Institute of Research and Development University of Pennsylvania, USA for Public Enterprise of Thailand (IRDP) • Strategic Marketing and Customer Relationship Management for • Intermediate Certificate Course in Good Governance for Public Executives Middle Level Executives Class 14, King Prajadhipok’s Institute. • Leadership Succession Program (LSP), Institute of Research and Development Other Positions (External Positions) : None of Public Enterprises (IRDP) Other Positions (External Positions) : None Experience Experience • 2018 - 2020 Executive Vice President,Regional Branch Group 2 And Acting Executive Vice President, • 2019 - 2020 Executive Vice President, Marketing and Business Development Regional Branch Group 1, Government Housing Bank Group 2, Government Housing Bank • 2017 - 2018 Executive Vice President, Regional Branch Group 1, • 2016 - 2019 Executive Vice President, Credit and Social Policy Group, Government Housing Bank Government Housing Bank • 2016 - 2017 Senior Vice President, Regional Debt Management Department, • 2013 - 2016 Executive Vice President and Acting Senior Vice President, Government Housing Bank Electronic Banking Department, Government Housing Bank • 2013 - 2016 Senior Vice President, Northeastern Branch, • 2013 - 2013 Senior Vice President, Deposit Department, Government Housing Bank Government Housing Bank Family Relations with Directors and Executive : None Family Relationship with Directors and Executives : None Annual Report 2021 47 Government Housing Bank

Mr. Narongpol Prapanirin Ms. Porta Yimtraiporn SExtreactuetgiivcePVlaicneniPnrgesGidroeunpt, EMxeetcruotpivoelitVainceBrParnecsihdeGnrot,up Age : 55 Age : 57 Date of Appointment : January 2, 2019 Date of Appointment : January 2, 2019 Education Education • Masters of Business Administration, (Financial Management) • Master of Arts in Social Development Dhurakij Pundit University National Institute of Development Administration • Bachelor of Business Administration, (General Management) • Bachelor of Science (B.S.), Srinakharinwirot University Sukhothai Thammathirat Open University Training • Global Bankers Program 2019, University of Washington U.S.A. Training • Leadership Development Program (LDP) Institute of Research and Development For Public Enterprises (IRDP), Government Housing Bank • Anti-Corruption Strategic Management for Senior Executives - Batch 11, • Financial Executive Development Program (FINEX), Class 26 Sanya Dharmasakti National Anti-Corruption Institute, The Thai Institute of Banking And Finance Association the National Anti-Corruption Commission Institute • International Housing Finance Program : Wharton School, Other Positions (External Positions) University of Pennsylvania,USA • Leadership Program : Institute of Research and Development • Committee: Executive Committee of Land Readjustment Fund for Public Enterprises, Government Housing Bank Ministry of Interior • Digital Economy for Management (DE4M) Program : Institute of Research • Subcommittee : Subcommittee of Fund Management and Office of Land and Development for Public Enterprises Readjustment Fund Ministry of Interior • Financial Executive Development Program (FINEX) Class 21, The Thai Institute of Banking and Finance Association Experience • Modern Banking Executive Development Program (MOBEX) : The Thai Institute of Banking and Finance Association • 2016 - 2018 Senior Vice President, Loan Documents Department, • Intermediate Certificate Course in Good Governance of Government Housing Bank Middle Level Executives : King Prajadhipok’s Institute • 2013 - 2016 Senior Vice President, Credit Support Department, Government Housing Bank Other Positions Family Relationship with Directors and Executive : None • Ordinary Member, The Government Financial Institutions Association Experience • 2009 - 2018 Senior Vice President, Risk Management Department Government Housing Bank Family Relationship with Directors and Executives : None 48 Annual Report 2021 Government Housing Bank