#1Pending#2Pending#3Pending#44 Export growth of many economies slowed down significantly since late 2022 Export growth (%) CN KR Sep Oct Nov CNFREXPY Index (China Export Trade USD YoY) Monthly 01MAY2021-30JUN2023 SG Jun Jul Aut 2021 SIEXPYOY Index (Singapore Exports YoY) Monthly OSMAY2021-303UN2023 -10 -12.4 Jan Feb Mar For May Jun Jul Aug Sep Oct Apr 2022 2023 Copyright 2023 Bloomberg Finance LP, 25-Jul-2023 10:26:11 Source: Bloomberg, June 2023 May Jun AUB Copyright 2023 Bloomberg Finance LP. 30 -10 -17.20 -201 Nov Dec Jan Feb Apr May Jun 2023 25-Jul-2023 10:27:03 Jun Aug 2021 -6.0 -10 Dec Apr May Jun Aug Sep Oct Nov Feb May Jun 2023 2022 Copyright 2023 Bloomberg Finance L.P. 25-Jul-2023 10:26:37 KOEXTOTY Index (South Korea Exports YoY) Monthly 01MAY2021-30JUN2023 HK Jun Jul Aug 2021 Oct Nov Dec Mar Apri May Jul Aug Jan Feb May 2022 2023 Copyright 2023 Bloomberg F HKETEXPC Index (Hong Kong Exports YoY) Monthly 01MAY2021-303UN2023 201 -10 -15.6 -20 Bangkok Bank#5Pending#6Pending#7Pending#8Nevertheless, increasing exports from Thailand to China helped soften some of the impacts from the global slowdown on the Thai economy and export sector Export value Export performance = Apr 2023 21.5 Bn USD (-4.9% YoY) Ex Gold Thai Export to Major Destinations May 2023 24.1 Bn USD (-5.9% YoY) Index sa, 3mma (Jan 2019-100) Ex.gold = 20.7 Bn USD (-6.6% YoY) Ex Gold = 23.8 Bn USD (-5.9% YoY) 200 2022 2023 175 Share % YoY 2022 150 2022 H1 H2 12 May Q3 Q4 Q1 Apr May (%MoMsa) 125 Agriculture Fishery 6.7 -1.7 8.1 -11.7 -13.2 -10.0 6.9 36.4 0.6 -2.1 2.8 -6.3 1.1 -13.5 -13.2 Manufacturing 89.0 4.8 10.4 -0.5 7.9 -8.3 -3.3 -30.6 -31.4 -5.0 10.1 4.6 -13.4 100 75 -1.5 4.1 50 Agro-manufacturing 13.9 8.6 12.0 5.1 13.5 -2.9 -0.1 -12.5 -4.0 5.1 Jan Jul 2019 Jan 2020 Jul Jan 2021 Jul Jan 2022 Jul Jan-23 Electronics 11.9 3.8 9.3 -1.2 5.1 -7.2 -8.0 -4.6 -5.5 2.3 ex. Munitions Electrical Appliances 9.2 2.8 3.3 2.2 7.4 -2.8 4.6 6.0 13.5 4.7 Index sa, 3mma (Jan 2019-100) Asian Export Performance Automotive 14.3 -1.6 -4.8 1.7 8.4 -4.1 2.1 -2.9 7.2 4.3 190 Machinery & 8.2 5.2 6.3 4. 10.3 -1.7 -0.1 -6.7 -0.2 1.6 16 Equipment 160 Petroleum Related 12.2 Total (BOP Basis) 100.0 5.5 11.9 GE 1.4 19.5 -14.1 -3.6 -24.2 -15.5 -23.8 -23.9 -5.8 -0.6 6.7 -7.5 -4.6 -4.9 -5.9 -1.9 130 Ex. Gold 4.4 9.6 -0.6 6.4 -7.3 -2.4 -6.6 -5.9 0.6 100 Ex. Gold & 4.8 8.2 1.5 8.0 -4.6 -0.5 -3.6 -3.0 1.4 Petroleum Related 70 %MoM calculated from seasonally adjusted data, using data since 2007 (subject to revision). P = Preliminary data. Note: Data above are recorded by custom basis, except total export value which is recorded by BOP basis. Custom basis considers recording as goods pass through Customs, while BOP basis considers changes in ownership between residents and non-residents. Source: Compiled from Customs Department's data 8 Source: www.bot.or.th 70 Jan Jul 2019 Jan 2020 Jul Jan 2021 Jul Jan 2022 Jul Jan 2023 US* ME ASEAN5 EU China CLMV Japan* CN ID VN MY TW TH KR PH SG Bangkok Bank#9Pending#10BOT projected the return to 29 and 35.5 million tourist arrivals for 2023 and 2024, respectively Projection of foreign tourist arrivals Million persons 40 35 30 25 20 20 29.0 1.7 35.5 1.8 2022 1.1 6.3 2023 2024 0.9 MPR MPR MPR Q1/23 Q2/23 Q1/23 MPR Q2/23 5.7 6.8 Million persons 11.2 28.0 29.0 35.0 35.5 5.7 15 11.2 10.1 % of 2019 28% 70% 73% 88% 89% 0.8 value 10 0.5 9.4 2.7 2.4 5 9.5 4.5 5.6 0.3 0 2022 2023 2024 China ASEAN Other Asia* Europe US Others -O-Total 10 Note: *Include Middle East Source: Ministry of Tourism and Sports. BOT forecast. Bangkok Bank#11Pending#12Pending#13Pending#14Pending#15Pending#16Pending#17Pending#18Pending#19Pending#20Pending#21Pending#22Pending#23Pending#24Pending#25Pending#2626 Capital position above minimum requirements Consolidated capital ratios % Capital base Billion Baht 560 575 573 581 20.0% 502 19.6% 479 104 104 104 103 19.1% 19.2% 19.1% 71 72 24 24 24 18.3% 24 24 3.0% 3.6% 3.4% 3.5% 3.4% 2.6% 407 431 457 471 469 477 0.8% 0.8% 0.8% 0.8% 0.8% 1 2019 2020 2021 2022 Mar-23 Jun-23 Tier 1 ☐ AT 1 Tier 2 17.0% 16.0% 15.7% 15.7% 15.7% 15.7% Regulatory capital ratio requirements 4.5% 6.0% 8.5% Minimum Common Equity Tier 1 Ratio Minimum Tier 1 Ratio Minimum Total Capital Ratio 2.5% + 1.0% Capital Conservation Buffer and D-SIB Buffer 8.0% 9.5% 2019 2020 2021 2022 Mar-23 Jun-23 Common Equity Tier 1 Capital Ratio Requirement Tier 1 Capital Ratio Requirement Tier 1 AT 1 Tier 2 12.0% Total Capital Ratio Requirement Bangkok Bank#27Pending#2828 2023 Financial target Consolidated Loan growth NPL ratio (gross) Net interest margin Net fee income growth Cost to income ratio Credit cost 2023 Financial target 4-6% Around 3.5% Around 2.5% Flat growth Low 50s% Around 1% Note: The above financial targets are based on the Bank's preliminary estimates that may change due to the operating environments and other unforeseen circumstances. Bangkok Bank#29Pending#30Pending#31Pending#32Pending#33Pending#34Pending#35Pending#36Pending