Investor Presentaiton

Financial position Dec-17 Dec-18 Dec-19 Dec-20 Jun-21 Sep-21 Million Baht Growth (%) QoQ YTD Loan 2,003,989 2,083,160 2,061,309 2,368,238 2,420,305 2,523,772 4.3% 6.6% Deposit 2,310,743 2,326,470 2,370,792 2,810,863 3,046,985 3,124,277 2.5% 11.2% LDR 86.7% 89.5% 86.9% 84.3% 79.4% 80.8% 1.4% -3.5% NPL/1 87,419 80,137 79,149 104,401 111,035 112,433 1.3% 7.7% NPL ratio/1 3.9% 3.4% 3.4% 3.9% 3.7% 3.7% -0.2% Allowance for ECL to NPL/1 160% 191% 220% 187% 190% 199% 8.6% 12.1% Allowance for ECL to loan 7.0% 7.3% 8.5% 8.2% 8.3% 8.4% 0.1% 0.2% Liquid assets/2 to total assets 34.2% 32.7% 35.5% 35.3% 39.4% 38.8% -0.6% 3.5% CASA 50.7% 52.4% 53.1% 57.0% 57.4% 58.5% 1.1% 1.5% CET1/3 16.6% 16.4% 17.0% 14.9% 15.0% 15.3% 0.3% 0.4% Tier 1 ratio/3 16.6% 16.4% 17.0% 15.7% 15.9% 16.1% 0.2% 0.4% CAR/3 18.2% 18.0% 20.0% 18.3% 18.4% 19.7% 1.3% 1.4% Note: /1 Including interbank and money market lending 28 /2 Since 2020, liquid assets consist of cash, interbank and money market items, debt securities and marketable equity securities /3 Based on Basel III standards issued by BOT since January 1, 2013 Bangkok Bank

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