Investor Presentaiton

Transform Bangkok Bank into a leading ASEAN bank with meaningful presence in high growth markets GDP growth % Bangkok Bank pre-transaction loan breakdown High growth/1 6% High growth markets will contribute ~16% to Bangkok Bank's loan High growth/1 16% Cambodia Lao P.D.R. Vietnam Myanmar Philippines China Indonesia Malaysia Thailand United States Chinese Taipei Hong Kong SAR United Kingdom Singapore Mature Markets 94% Bangkok Bank pre-transaction loan breakdown International Consumer 15% 17% Corporate 41% Japan 8% Business 0 2 4 6 8 19% Commercial 2020F ■2019E 2018 Loans: THB2,001 Bn Mature Markets 84% Permata will contribute ~10% of Bangkok Bank loan International 25% Corporate 37% Consumer 13% 8% Business 17% Commercial Pro forma Loans: THB2,235 Bn Note: /1 High growth markets include Myanmar, Cambodia, China, Vietnam, Philippines, Indonesia, and Laos. Mature markets include Thailand, 27 USA, UK, Malaysia, Japan, Hong Kong, Taiwan, and Singapore 27 Bangkok Bank

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