Investor Presentaiton

Financial performance - 9M21 9M20 9M21 Million Baht Growth (%) YoY Net interest income Net fees and service income 57,782 60,440 4.6% 18,355 21,603 17.7% Other operating income Total income Operating expense 11,964 17,084 42.8% 88,100 99,127 12.5% 45,830 47,930 4.6% Expected credit loss 23,993 26,006 8.4% Net profit/1 14,783 20,189 36.6% EPS/1 (Baht per share) 7.74 10.58 36.6% NIM 2.28% 2.10% -0.18% Net fees and service income ratio 20.8% 21.8% 1.0% Cost to income ratio 52.0% 48.4% -3.6% ROA/1 0.56% 0.67% 0.11% ROE/1 4.59% 5.79% 1.20% Note: 30 /1 Attributable to owners of the Bank Bangkok Bank

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