Investor Presentaiton

Resilient Position Across Business Cycle Diversification supports earning stability Loan breakdown Percentage of composition By business unit Income breakdown Baht bn, Percentage of composition International 15% 16% 16% 16% 15% Consumer 11% 12% 13% 14% 13% 102.7 105.9 Business 11% 11% 11% 10% 10% 96.9 91.5 Commercial 18% 19% 20% 20% 20% 40% 44% 39% Corporate 39% 45% 42% 40% 40% 42% 55.3 41% 2013 2014 2015 2016 Jun-17 By Industry 61% 61% 56% 60% Agri & mining 2% 2% 2% 2% 2% 59% Real estate & cons 9% 9% 10% 9% 10% Housing 10% 11% 11% 11% 11% 2013 2014 2015 2016 1H17 Other 15% 15% 14% 15% 15% Commercial 18% 16% 16% 16% 15% Utilities & 16% 17% 19% 21% 21% services Net Interest Income Non Interest Income Manufacturing 30% 30% 28% 26% 26% 2013 2014 2015 2016 Jun-17 Bangkok Bank 15

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