Investor Presentaiton

Continue to set aside expected credit losses to cover the delayed and uncertain economic recovery Expected credit loss (Provision), Credit cost Loan loss reserve (LLR), Coverage ratio Billion Baht, % 1.1% 1.1% 1.6% Billion Baht, % 200.0% 198.9% 190.9% 186.8% 187.3% 190.3% 160.2% 1.4% 149.9% 1.4% 1.4% 148.8% 149.2% 138.1% 203 149.7% 152.2% 211 224 195 174 153 140 113 32.4 31.2 70 89 22.4 22.0 24.0 26.0 10 70 64 61 /1 /1 /1 /1 2020 Mar-21 Jun-21 Sep-21 BBL's excess reserves over BOT requirement BBL's required reserves by BOT BBL's loan loss reserves /1 /1 /1 2017 2018 2019 2020 9M20 9M21 2017 2018 2019 Expected credit loss Credit cost 21 24 Note: /1 Includes Permata's financial performance /2 System refers to all commercial banks in Thailand (source: Bank of Thailand) BBL's coverage ratio System's coverage ratio/2 Bangkok Bank

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