Investor Presentaiton

Financial performance-year Million Baht 2015 2016 2017 2018 2019 Growth %YOY Net interest income 57,510 63,998 66,625 71,376 71,071 -0.4% Net fee income 24,071 24,492 27,526 27,590 28,504 3.3% Other operating income 21,147 17,368 18,317 22,435 34,171 52.3% Total income 102,728 105,858 112,468 121,400 133,746 10.2% Operating expense 45,045 50,505 48,948 55,165 54,963 -0.4% Provisioning expense 14,654 15,728 22,370 21,965 32,351 47.3% Net profit/1 34,181 31,815 33,009 35,330 35,816 1.4% EPS/1 (Baht per share) 17.91 16.67 17.29 18.51 18.76 1.4% NIM 2.16% 2.34% 2.32% 2.40% 2.35% -0.05% Net fee income ratio 23.4% 23.1% 24.5% 22.7% 21.3% -1.4% Cost to income ratio 43.8% 47.7% 43.5% 45.4% 41.1% -4.3% ROA/1 1.21% 1.09% 1.09% 1.13% 1.13% 0.00% ROE/1 9.91% 8.59% 8.49% 8.73% 8.45% -0.28% Note: /1 Attributable to owners of the Bank 36 Bangkok Bank

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