#1Bangkok Bank Investor Presentation For 2Q17 CONNECTING TO TOMORROW'S WORLD TODAY#2Bangkok Bank 1. Operating Environment 2. Bangkok Bank's Position 3. Our Key Focus & Strategy 4. Our Financial Results 2Q17 Bangkok Bank 2#3The Thai Economy: Steady Trend of Moderate Recovery GDP growth YoY (%) Global economic recovery Large scale fiscal stimulus 5.1% 5.0% 4.6% Global financial crisis 2.5% -2.3% 7.8% 7.3% Strong Baht appreciation up to taper tantrum Brexit US election Collapse 0.1% Great floods 2.8% in oil price 2.9% 0.9% 3-4% 3.2% 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 2017F Source: National Economic and Social Development Board of Thailand and Bank of Thailand 2017F GDP forecast by Bangkok Bank Since 2012 GDP Revised by Chain Volume Measures Bangkok Bank 3#4With Moderate Global Growth, ASEAN Presents Major Opportunities Going Forward World Population: 7.4 bn US Population 323 mn Euro area Population: 341 mn 1.8 1.9 1.7 1.6 1.5 1.5 1.6 2.1 2.1 2.1 1.8 1.7 2016 2018F 2020F 2016 2018F 2020F • China 3.5 3.6 3.7 3.7 3.7 3.2 2016 2017F 2018F 2019F 2020F 2021F Population: 1,379 mn 6.7 6.7 6.4 6.0 5.9 5.8 2016 2018F 2020F Japan Population: 127mn 1.3 1.0 0.6 0.8 0.7 0.2 2016 2018F 2020F ASEAN* Population 639 mn 4.9 5.2 5.1 5.3 5.3 5.3 Note: Population as of 2016 * Composed of 5 countries: Indonesia, Malaysia, Philippines, Thailand, and Vietnam Source: International Monetary Fund, World Economic Outlook update July 2017, The World Bank Bangkok Bank 2016 2018F 2020F#5Exports and Government Spending underpin Growth Exports Index Jan 2013 = 100, 3mma 130 Private Investment Monthly Index Jan 2010 = 100 140 120 110 100 90 90 80 80 Jan 2013 Jan 2014 Jan 2015 Jan 2016 Jan Apr 2017 Private Consumption Monthly Index Jan 2010 = 100 180 160 140 Flood 120 100 80 60 Jan 2010 Jan Jan Jan Jan Jan 2011 2012 2013 2014 2015 Jan 2016 Jan Jun 2017 130 Flood 120 110 100 90 90 Jan Jan Jan Jan Jan Jan Jan Jan Jun 2010 2011 2012 2013 2014 2015 2016 2017 Government Investment Expenditure Billion Baht 60 50 40 40 30 30 20 10 0 Oct Nov Dec Jan Feb Mar Apr May Jun Jul Aug Sep --FY 2015 FY 2016 Private Consumption Index (Seasonally Adjusted) Durables Index (Seasonally Adjusted) Source: Bank of Thailand, The Office of Industrial Economics, Center for Economic and Business Forecasting, Bureau of Budget and Fiscal Policy Office OFY 2017 Bangkok Bank 5#6Bright Spots in 2017: Tourism and Motor Vehicle Sales Visitor Arrivals Number of Foreign Tourists (in million) 40 40 Motor Vehicle Sales No of units (in million) 1.8 35 1.6 21 32.6 29.9 30 26.5 24.8 25 22.4 19.2 20 15.9 1.44 1.4 1.33 1.2 1.0 0.88 16.6 17.3 0.80 0.79 0.80 0.77 0.8 15 10 5 0.6 0.41 0.37 0.4 0.2 0 0.0 2010 2011 2012 2013 2014 2015 2016 1H16 1H17 2010 2011 2012 2013 2014 2015 2016 1H16 1H17 Source: Department of Tourism, Ministry of Tourism and Sports Bangkok Bank Source: CEIC 6#7Infrastructure Projects in the Pipeline 2015-2022 Infrastructure Projects 1.797 Trillion Baht Inter-city rail network 1 Baht 1,184.1 billion 2 3 Transportation in Bangkok & vicinity Baht 396.6 billion Highway network Baht 160.4 billion Water transportation 4 Baht 3.9 billion Air transport 5 Baht 51.6 billion SAT 88foto.com 2017 Transport Action Plan 36 Projects, 896 Billion Baht Inter-city rail network • Under construction: Chira-Khonkhaen • Approved by the cabinet: 5 projects • To be proposed to the cabinet: 7 projects Transportation in Bangkok & vicinity • Under procurement: Yellow/Pink/Orange Lines • Proposal development: 7 lines Highway network Under construction: Bang Pa In-Korat Bang Yai-Kanchanaburi Pattaya-Map ta Phut • Under procurement: Rama 3-Dao Khanong-Outer Ring Road west Bangkok Air Transport • Under construction: Suvannabhumi Phase II Other Projects • High-speed trains: Bangkok-Korat, Bangkok-Rayong Source: Office of Transport and Traffic Policy and Planning, Ministry of Transport Bangkok Bank • Eastern Economic Corridor 7#8Opportunities from Regionalization & Urbanization Higher Connectivity in the AEC Thailand's Top 5 Trading Partners North-South 108°00'E ASEAN 8% of total trade CLMV 22% of total trade Northern Corridor Corridor INDIA Dali Longshua Chuxiong Mangin Yuxi China Eren 16% of total trade Kunming 24°00′N YUNNAN PROVINCE PEOPLE'S REPUBLIC OF CHINA Balse GUANGXI ZHONG AUTONOMOUS REGION Japan Lashio Hekpu Dinzhou Thibaw Lang Son Jinghon Northeastern Corridor Fangcheng Mandalay Loilem Tachilek Mohan Nateuli Boten Loumtha Yen Ba HA NOI USA Rep Mai Phong Eastern Corridor MYANMAR LAO PDR igh Binh Galf of Tonkin Thanh Hai Chiang Pyay NAY PYI TAW Western Corridor Central Corridor Malaysia 12% of total trade 9% of total trade 5% of total trade Vinh Pakkading VIENTIANE கோடலி East-West Corridor 0 10 20 Billions of Dollar 30 40 encha Nakhon Phanom Trakhek Udon Thani Mukdahan SOUTH CHINA SEA Dong Ha Hue De Nang arthabout Yangon Phitsanulok Mees Kalasin Saravan Mawlamyine THA LAND Note: Trading value during January - June 2017 Source: Ministry of Commerce Dung Quat Gulf of Martaba Nakhon Sawan Chaiyaphum Pakse Attapu VIỆT NAM Dieu Tri Nakhon Ratchasima Pleik Quy Nhơn ANDAMAN SEA Dawe BANGROK Stung Treng Sem Reap | Chonburi CAMBODIA Southern FDI into Thailand and CLMV Billions of Dollar Thailand's Investment in CLMV Billions of Dollar 10°00'N GMS CORRIDORS Sattahip Corridor Da Lat Gulf of Thailand Prachuap Khin Khan Koh Korg MTU PHNOM PENH Go Chumphon Sre Amibe Shannoukvile Ho Chi M 10°00% Vung Tau Ha Tin Kawthourg Southern Coastal Can Tho Corridor Surat Thani Ca Mau Nam Can Phuket 0 50 100 • 200 300 Songkhla National Capital City/Town Asian Highway Network River Kilometers Provincial Boundary Narathiwat International Boundary Boundaries are not necessarily authoritative. 98°00'E 108 00E Bangkok Bank 9.0 Thailand 2.6 2.3 1.7 Cambodia 5.0 1.7 1 7 3.0 2.8 Lao PDR 11.8 12.6 Myanmar 9.2 Vietnam 2.5 1.5 1.5 1.0 T 2014 2015 2016 2014 2015 2016 Jan-May 2017 Source: ASEAN Secretariat, ASEAN FDI database, Bank of Thailand 8#9Thailand's New Engine of Growth 000 CO: ཏ Next-Generation Automotive Smart Electronics Affluent, Medical & Wellness Tourism Agriculture & Biotechnology Food for the Future 10 Target Industries BIO Robotics Aviation & Logistics Biofuels & Biochemicals Digital Medical Hub Bangkok Bank 6#10Challenges & Opportunities Digital Economy Digitalization ☑ Everyday-transactions to be made anywhere at anytime Disrupted the way doing business in various industries Intermediary Bypass PromptPay EDC & Card Usage Expansion Anytime, Anywhere, Any devices National e-Payment TAX E-Tax Bangkok Bank Government E-Payments 10#11Bangkok Bank 1. Operating Environment 2. Bangkok Bank's Position 3. Our Key Focus & Strategy 4. Our Financial Results 2Q17 Bangkok Bank 11#12Scale and Franchise Leadership Our strong, long-standing relationships and extensive regional network position us to benefit from the opportunities provided by current market trends Multi-tiered Distribution Platform Market Leader in Corporate & SMES Bangkok Bank Large Retail Customer Base Full Range of Products & Services Bangkok Bank Long- presence International Branches Strong Domestic Network 12 12#13Sustainable Liquidity and Funding Our respectable liquidity ratio is supported by diversified customer base in Thailand Regulatory Stable deposit base Baht bn +5.5% YTD 3,000 2,000 1,000 0 2009 2011 2013 2015 Jun-17 Economic Momentum Well- positioned Adequate liquid % LDR % 110% System/¹ 96.9% assets 40% 100% 35% 90% 30% 80% 25% 70% BBL 86.1% 20% BBL 34.0% System/¹ 27.3% 60% 15% 2009 2011 2013 2015 Jun-17 2009 2011 2013 2015 Jun-17 Note: Data as at June 2017 /1 System refers to all commercial bank in Thailand Source: Bank of Thailand, Bangkok Bank Analysis Bangkok Bank 13 33#14Strong Capital Position Our prudent policy of capital and liquidity enable us to capture future business opportunities while meeting the challenges of regulatory requirements Regulatory Total Capital (Baht bn) 403 42 407 Common Equity Tier 1 Ratio Tier 1 Ratio Total Capital Adequacy Ratio 40 40 16.8% 17.1% 18.7% 18.9% 16.8% 17.1% 367 361 7.0% 7.25% Dec-16 Jun-17 Tier 2 capital CE Tier1/ Tier 1 capital 5.75% 8.5% 11.0% Economic Momentum 9.75% Dec-16 Jun-17 Dec-16 Jun-17 Dec-16 Jun-17 Basel III Capital requirements/1 as of the year 2019 Capital requirements/1 as of the year 2017 BBL's ratio as of December 31, 2016/2 and ratio as of June 30, 2017/3 Note: /1 The Bank of Thailand requires commercial banks to maintain an additional capital conservation buffer. The buffer will gradually increase by more than 0.625% each year from January 1, 2016 until it reaches more than 2.5% in January 1, 2019 /2 The ratios include net profit for the second half of 2016 and the deduction of dividends to be paid in May 2017 /3 The ratios include net profit for the first half of 2017 Bangkok Bank 14#15Resilient Position Across Business Cycle Diversification supports earning stability Loan breakdown Percentage of composition By business unit Income breakdown Baht bn, Percentage of composition International 15% 16% 16% 16% 15% Consumer 11% 12% 13% 14% 13% 102.7 105.9 Business 11% 11% 11% 10% 10% 96.9 91.5 Commercial 18% 19% 20% 20% 20% 40% 44% 39% Corporate 39% 45% 42% 40% 40% 42% 55.3 41% 2013 2014 2015 2016 Jun-17 By Industry 61% 61% 56% 60% Agri & mining 2% 2% 2% 2% 2% 59% Real estate & cons 9% 9% 10% 9% 10% Housing 10% 11% 11% 11% 11% 2013 2014 2015 2016 1H17 Other 15% 15% 14% 15% 15% Commercial 18% 16% 16% 16% 15% Utilities & 16% 17% 19% 21% 21% services Net Interest Income Non Interest Income Manufacturing 30% 30% 28% 26% 26% 2013 2014 2015 2016 Jun-17 Bangkok Bank 15#16Resilient Position Across Business Cycle Sound loan asset quality reflects our conservative stance Coverage ratio Percentage Loan loss reserves, LLR/Loan Billion Baht, Percentage 5.3 5.2 5.6 6.2 6.6 4.4 4.5 3.5 3.5 3.8 129.9 119.5 214 204 104.2 185 92.6 91.9 60.9 174 61.2 151 55.4 BBL 56.6 58.8 System/1 142 141 69.0 130 136 58.3 132 48.8 36.0 33.1 2013 2014 2015 2016 Jun-17 2013 2014 2015 2016 Jun-17 Note: /1 System refers to all commercial bank in Thailand. Source: Bangkok Bank Analysis Bangkok Bank BBL's Excess reserves over BOT requirement (Bn Baht) I BBL's Required Reserve by BOT (Bn Baht) BBL's LLR/Loans (%) System's LLR/Loans (%) 16#17Bangkok Bank 1. Operating Environment 2. Bangkok Bank's Position 3. Our Key Focus & Strategy 4. Our Financial Results 2Q17 Bangkok Bank 17#18Our Key Focus & Strategy Short-term Go through transition period together with customers Leverage our scale and franchise leadership ‣ Utilize our extensive network, long-term relationships and full range of products & services Support customers to reach out to new markets Long-term Sustainability growth Tailor products and services to customer needs Digital capabilities Offer total solutions with full suite of best-in- class financial solutions ▶ Support customers in adapting to rapidly evolving sector dynamics Continue to improve customer experience by further developing digital technology ‣ Capture new trends and digital practices Bangkok Bank 18#19Bangkok Bank 1. Operating Environment 2. Bangkok Bank's Position 3. Our Key Focus & Strategy 4. Our Financial Results 2Q17 Bangkok Bank 19#20Loans Billion Baht Overall Financial Positions NPL amount, NPL ratio Billion Baht, Percentage -0.9% YTD 1,941 +1.9% YTD +2.8 % QoQ +3.7% YoY 1,978 2.8 3.2 3.5 3.7 2.2 2.1 1,869 1,924 1,753 1,782 85.9 77.8 68.8 56.2 43.2 45.0 2013 2014 2015 2016 Mar-17 Jun-17 2013 2014 2015 2016 Mar-17 Jun-17 INPL Amount (Bn Baht) NPL Ratio (%) Deposit Baht bn, Percentage of composition CE Tier1, Capital Ratio/1 Percentage 90.6% 86.6% 89.4% 89.1% 85.7% 86.1% +5.5% YTD +2.4% QoQ 17.9% 18.3% 19.0% 18.7% 18.9% 17.2% 1,935 2,059 2,091 2,178 2,244 2,298 58% 58% 55% 52% 51% 52% 14.7% 15.6% 16.2% 16.8% 17.2% 17.1% 42% 42% 45% 48% 49% 48% 2013 2014 2015 2016 Mar-17 Jun-17 2013 2014 2015 2016 Mar-17 Jun-17/2 Current & Saving Bangkok Bank Fixed -LDR ratio ■CE Tier 1/Tier1 Tier2 Note: /1 For 2013-Mar-17, the ratios include net profit and deducted dividend /2 For Jun-17, the ratios include net profit for the first half of the year 2017 20#21Total Income and Operating Expenses Income breakdown Baht bn, Percentage of composition NIM Percentage 91.5 96.9 102.7 +3.0% YoY 105.9 +7.2% YoY 39% 44% 40% 39% 51.5 55.3 +12.9% YoY +3.0% QoQ +18 bps YoY +4 bps YoY -4 bps QoQ 2.36% 2.37% 2.34% 27.2 28.0 2.33% 2.33% 2.35% 2.31% 24.8 2.27% 39% 41% 2.16% 61% 61% 56% 60% 37% 40% 41% 61% 59% 63% 60% 59% 2013 2014 2015 2016 1H16 1H17 2Q16 1Q17 2Q17 2013 2014 2015 2016 1H16 1H17 2Q16 1Q17 2Q17 Net Interest Income Net Fee Income Other Income Net fee income Baht bn Cost-to-income ratio Percentage 24.1 +1.7% YoY 24.5 49.4% 50.7% 21.2 21.7 12.1 +8.4% YoY 13.1 45.8% 6.0 6.7 +6.6% YoY -5.2% QoQ 6.4 41.5% 44.5% 43.8% 47.7% 43.3% 40.7% 2013 2014 2015 2016 1H16 1H17 2Q16 1Q17 2Q17 2013 2014 2015 2016 1H16 1H17 2Q16 1Q17 2Q17 Bangkok Bank 21#22Profitability drivers Billion Baht Overall Profitability 102.7 105.9 Total 96.9 Revenue 91.5 50.5 45.0 37.9 43.1 55.3 51.5 8.6 8.7 14.7 15.7 27.2 28.0 24.8 23.9 25.4 11.1 12.8 12.6 11.5 7.2 5.8 5.7 3.5 35.9 36.3 34.2 31.8 15.5 16.4 7.2 8.3 8.0 2013 2014 2015 2016 Operating expenses 1H16 1H17 2Q16 1Q17 2Q17 Provisioning expenses Tax Net profit/1 Note: /1 Owners of the Bank Bangkok Bank 22 222#23Appendix Bangkok Bank 23#24Loan Growth and Composition Loan Billion Baht +1.9% YTD +2.8% QoQ +3.7% YoY +3.9% YTD 1,941 -0.9% YTD 1,924 1,978 1,869 1,753 1,782 2013 2014 2015 2016 Mar-17 Jun-17 Loan by Business Unit Percentage of composition Loan by Industry Percentage of composition Agriculture International International Real Estate &Construction & Mining Real Estate &Construction Agriculture & Mining 16% Corporate 40% 15% Corporate 42% 9% 2% 2% 10% 26% 14% Consumer Dec-16 10% Business 13% Consumer 11% Housing Manufacturing 11% Housing 26% Manufacturing Jun-17 Dec-16 Jun-17 10% Business 15% Others 15% Others 21% 20% Commercial 20% Commercial 16% Commercial Utilities & Services 15% Commercial 21% Utilities & Services Bangkok Bank 24#25Fee income breakdown Percentage of composition Fee Income Net fee income Baht bn +8.4% YoY 13.1 +6.6% YoY -5.2% QoQ 12.1 6.7 6.0 6.4 +1.7% YoY 13% 12% 13% 11% 12% 13% 15% 15% 9% 9% 8% 8% 11% 11% 15% 17% 8% 8% 12% 15% 17% 17% 9% 8% 8% 11% 12% 24.1 24.5 21.2 21.7 25% 24% 23% 24% 23% 23% 23% 22% 23% 25% 26% 25% 26% 26% 25% 25% 25% 24% 16% 16% 16% 16% 17% 16% 16% 17% 16% 2013 2014 2015 2016 1H16 1H17 2Q16 1Q17 2Q17 2013 2014 2015 2016 Bangkok Bank Other Fees and Commissions Bancassurance and Mutual Funds Global market services Transaction services Credit Card business Loan related fee 1H16 1H17 2Q161Q172Q16 25 25#26Financial Position Dec-13 Dec-14 Dec-15 Dec-16 Growth Jun-17 Baht mn Growth %YTD %QoQ %YTD Loans/1 1,752,667 1,782,233 1,868,903 1,941,093 3.9% 1,978,391 2.8% 1.9% Deposits 1,935,272 2,058,779 2,090,965 2,178,141 4.2% 2,297,918 2.4% 5.5% LDR 90.6% 86.6% 89.4% 89.1% -0.3% 86.1% 0.4% -3.0% NPL 43,228 45,046 56,226 68,841 22.4% 85,947 10.5% 24.8% NPL ratio 2.2% 2.1% 2.8% 3.2% 0.4% 3.7% 0.2% 0.5% LLR to NPL 214% 204% 185% 174% -11% 151% -9% -23% LLR to loans 5.3% 5.2% 5.6% 6.2% 0.6% 6.6% 0.1% 0.4% Liquid assets/2 772,733 920,034 906,648 956,847 5.5% 1,034,447 0.03% 8.1% Liquid asset to total assets 29.8% 33.3% 32.0% 32.5% 0.5% 34.0% -0.5% 1.5% CET1/Tier 1 ratio/3 14.7% 15.6% 16.2% 16.8% 0.6% 17.1% -0.1% 0.3% CAR/3 17.2% 17.9% 18.3% 18.7% 0.4% ¦ 18.9% -0.1% 0.2% Note: /1 Loans Loans to customers Less Deferred revenue /2 Liquid assets consist of cash, interbank and money market assets, claims on securities and trading & available-for-sale securities /3 For 2013-2016, the ratios include net profit and deducted dividend. For Jun-17, the ratios include net profit for the first half of the year 2017. Bangkok Bank 26#27Financial Performance - 2017 Baht mn 2Q16 1Q17 2Q17 Growth (%) QoQ YOY Net interest income 15,596 16,277 16,568 1.8% 6.2% Net fee income 5,976 6,719 6,372 -5.2% 6.6% Non-interest income 9,250 10,939 11,472 4.9% 24.0% Total income 24,846 27,216 28,040 3.0% 12.9% Operating expenses 12,599 11,082 12,846 15.9% 2.0% Provisioning expenses 3,542 5,806 5,688 -2.0% 60.6% Net profit/1 7,169 8,305 8,047 -3.1% 12.2% EPS/1 (Baht per share) 3.76 4.35 4.22 -3.1% 12.2% NIM 2.27% 2.35% 2.31% -0.04% 0.04% Net fee income ratio 24.1% 24.7% 22.7% -2.0% -1.4% Cost to income ratio 50.7% 40.7% 45.8% 5.1% -4.9% ROA/1 0.98% 1.13% 1.07% -0.06% 0.09% ROE/1 7.80% 8.81% 8.38% -0.43% 0.58% Note: /1 Attributable to the Bank Bangkok Bank 27#28Financial Performance – 1H17 - Baht mn 1H15 1H16 1H17 Growth (%) YOY Net interest income 27,452 31,629 32,845 3.8% Net fee income 11,820 12,079 13,091 8.4% Non-interest income 22,135 19,916 22,408 12.5% Total income 49,587 51,545 55,253 7.2% Operating expenses 21,959 25,448 23,925 -6.0% Provisioning expenses 5,901 7,186 11,494 59.9% Net profit/1 17,442 15,487 16,352 5.6% EPS/1 (Baht per share) 9.14 8.11 8.57 5.6% NIM 2.08% 2.33% 2.33% 0.00% Net fee income ratio 23.8% 23.4% 23.7% 0.3% Cost to income ratio 44.3% 49.4% 43.3% -6.1% ROA/1 1.25% 1.07% 1.10% 0.03% ROE/1 10.48% 8.48% 8.61% 0.13% Note: /1 Attributable to the Bank Bangkok Bank 28#29Financial Performance - Year Baht mn 2013 2014 2015 2016 Growth (%) YOY Net interest income 55,879 58,997 57,510 63,998 11.3% Net fee income 21,239 21,726 24,071 24,492 1.7% Non-interest income 35,579 37,860 45,219 41,860 -7.4% Total income 91,457 96,857 102,728 105,858 3.0% Operating expenses 37,947 43,087 45,045 50,505 12.1% Provisioning expenses 8,593 8,687 14,654 15,728 7.3% Net profit/1 35,906 36,332 34,181 31,815 -6.9% EPS/1 (Baht per share) 18.81 19.03 17.91 16.67 -6.9% NIM 2.36% 2.37% 2.16% 2.34% 0.18% Net fee income ratio 23.2% 22.4% 23.4% 23.1% -0.3% Cost to income ratio 41.5% 44.5% 43.8% 47.7% 3.9% ROA/1 1.45% 1.39% 1.21% 1.09% -0.12% ROE/1 12.62% 11.66% 9.91% 8.59% -1.32% Note: /1 Attributable to the Bank Bangkok Bank 29 29#30Baht 12 10 Dividends and Payout Ratio Percent 50 43.6% 40 6.50 6.50 6.50 6.50 6.50 30 6.00 6 5.00 4.00 20 4 2.75 3.00 3.00 4.00 4.50 4.50 4.50 4.50 4.50 3.50 1.75 2.00 3.00 10 2 1.75 2.00 2.00 1.00 1.25 0.75 0.75 1.00 1.00 1.00 1.00 1.50 2.00 2.00 2.00 2.00 2.00 2.00 0 0 Bangkok Bank 2003 2004 2005 2006 2007 2008 2009 2010 2011 2012 2013 2014 2015 2016 Interim (L) Final (L) Dividend payout ratio (R) 30#31Networks 2014 2015 2016 2Q17 Branches/1 1,144 +25 1,169 +20 1,189 +8 1,197 IK ATMs 8,877 +453 9,330 -25 9,305 +33 9,338 IK CDMs 1,237 +34 1,271 +11 1,282 +9 1,291 IK IK Employees 26,132 +1,010 27,142 -271 26,871 -841 26,030 Note: Consolidated /1 Including domestic and international branches, excluding self-services outlets Bangkok Bank 31#32Long-standing International Presence UK Branches: 1 Number of Years: 60 Cayman Island Branches: 1 Number of Years: 1 USA Branches: 1 Number of Years: 52 Laos Branches: 2 Number of Years: 23 Myanmar Branches: 1 Number of Years: 22 Malaysia/1 Branches: 5 Number of Years: 58 Singapore Branches: 1 Number of Years: 60 32 international locations in 15 economies Note: As at June 2017 /1 Wholly-owned subsidiaries Source: Bangkok Bank filings Bangkok Bank Vietnam Branches: 2 Number of Years: 24 China/1 Branches: 6 Number of Years: 30 Japan Branches: 2 Number of Years: 61 Philippines Branches: 1 Number of Years: 21 Taiwan Branches: 3 Number of Years: 52 Hong Kong Branches: 2 Number of Years: 63 Cambodia Branches: 1 Number of Years: 2 Indonesia Branches: 3 Number of Years: 44 32#332017 Financial Targets Consolidated Loan growth NPL ratio (gross) Net interest margin (NIM) Net fee income growth Cost to income ratio 2017 Financial Targets 4-6% Slightly increase Maintain Up to mid single digit Mid-40s 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 33#34For Further Information Contact: Investor Relations Team Bangkok Bank Website Tel (66) 2 626 4981 Fax (66) 2 231 4890 Email: [email protected] www.bangkokbank.com This presentation is made by Bangkok Bank and may not be copied, altered, offered, sold or otherwise distributed to any other person by any recipient without the consent of Bangkok Bank. Although all reasonable effort has been made to ensure the facts stated herein are accurate and that the opinions contained herein are fair and reasonable, this document is selective in nature and is intended to provide an introduction to, and overview of, the business of Bangkok Bank. Where any information and statistics are quoted from any external source, such information or statistics should not be interpreted as having been adopted or endorsed by Bangkok bank as being accurate. Neither Bangkok Bank nor any of its directors, officers, employees, and advisors nor any other person shall have any liability whatsoever for loss howsoever arising, directly or indirectly, from any use of this information. The facts and information contained herein are as up to date as is reasonably possible and may be subject to revision in the future. Neither Bangkok Bank nor any of its directors, officers, employees or advisors nor any other person makes any representation or warranty, express or implied, as to the accuracy or completeness of the information contained in this presentation. Neither Bangkok Bank nor any of its directors, officers, employees and advisors nor any other person shall have any liability whatsoever for loss howsoever arising, directly or indirectly, from any use of this presentation. This presentation may contain projections or other forward-looking statements related to Bangkok Bank that involve risks and uncertainties. Readers are cautioned that these statements are only projections and may differ materially from actual future results or events. All forward-looking statements are based on information available to Bangkok Bank on the date of its posting and Bangkok Bank assumes no obligation to update such statements unless otherwise required by applicable law. This presentation does not constitute an offer or invitation to subscribe for, or purchase, any shares of Bangkok Bank. Bangkok Bank