Investor Presentaiton

Financial performance - 4Q19 Million Baht 4Q18 3Q19 4Q19 Growth (%) QoQ YOY Net interest income 18,423 17,944 17,193 -4.2% -6.7% Net fee income 7,070 6,864 8,185 19.2% 15.8% Other operating income 3,581 5,431 18,345 237.8% 412.3% Total income 29,074 30,239 43,723 44.6% 50.4% Operating expense 16,344 12,679 15,988 26.1% -2.2% Provisioning expense 2,765 5,381 16,342 203.7% 491.0% Net profit/1 8,101 9,438 8,002 -15.2% -1.2% EPS/1 (Baht per share) 4.24 4.94 4.19 -15.2% -1.2% NIM 2.46% 2.35% 2.22% -0.13% -0.24% Net fee income ratio 24.3% 22.7% 18.7% -4.0% -5.6% Cost to income ratio 56.2% 41.9% 36.6% -5.3% -19.6% ROA/1 1.04% 1.17% 0.99% -0.18% -0.05% ROE/1 7.86% 8.78% 7.40% -1.38% -0.46% Note: /1 Attributable to owners of the Bank 35 Bangkok Bank

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