Investor Presentaiton

Illustrative financial and capital impact on Bangkok Bank 28 Change in Key Financial Metrics (Sep-2019 Basis) US$MM/1 Estimated Capital Impact Bangkok Bank capital position will remain robust post- acquisition of 100% stake Standalone and pro forma capital ratios: /2 Bangkok Pro Bank Permata Forma Permata Contribution • Balance Sheet (as of 30 Sep 2019) Loan 65,422 7,646 73,068 10% CET 1 Ratio Deposit 77,212 8,479 85,691 10% CAR Total Assets 105,490 10,937 116,427 9% NPL Ratio 3.6% 3.3% 3.6% (3) bps • NPL Coverage 183.4% 164.0% 181.5% (189) bps Income Statement (9M 2019) Bangkok Bank Stand-alone Permata Bangkok Bank Pro Forma 17.7% 18.8% 14.5% 20.7% 20.1% 17.2% Bangkok Bank does not intend to raise equity for this transaction • Bangkok Bank will continue to assess raising Tier 2 or Additional Tier 1 capital to maintain capital ratios at prudent levels Net Interest Income 1,761 290 2,050 14% Impact on Dividends Net Income to 909 77 986 8% Owners Net Interest Margin 2.4% 4.2% 2.5% +15 bps Bangkok Bank intends to maintain its current level of dividends Note: /1 Based on exchange rate of US$/IDR of 14,179 and exchange rate of US$/THB of 30.6 as of 30 September 2019 /2 No CET 1, Tier 1, and Tier 2 financing assumed. 100% deduction of goodwill from CET1 and addition of 100% Permata RWAs to Bangkok Bank; As of Sep-2019 Bangkok Bank

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