PitchSend

Investor Presentaiton

Cost management discipline Operating expenses 14 Billion Baht 45.0 50.5 2015 CAGR +5.1% 55.2 55.0 48.9 Cost to income ratio % 47.7% 43.8% 45.4% 43.5% 44.9% 3 41.1% 43.4%2 2016 2017 2018 2019 2015 2016 2017 2018 2019 Others Cost to income ratio Taxes and duties Premises and equipment expenses Personnel expenses/1 Cost to income ratio, excluding gains on investments Note: /1 Including directors' remuneration /2 If excluding the recognition of provision for post-employment benefits for the compensation in lieu of notice in the case of retirement of employees according to the new Labor Protection Act (7) B.E. 2562 (2019) /3 If excluding one-time provision for contingency Bangkok Bank

View entire presentation