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Investor Presentaiton

19 Healthy funding and liquidity position Loan-to-deposit ratio Liquid assets/2 % of total assets % 98.3% 96.3% 94.2% 92.3% 92.8% 38.6% 39.2% 89.5% 35.5% 35.3% 37.3% 86.9% 32.7% 84.3% 84.3% 82.0% 81.0% 2018 2019 2020 System/1 2021 Mar-22 Jun-22 2018 2019 2020 2021 Mar-22 Jun-22 BBL Deposit Billion Baht, % of composition Liquidity coverage ratio/3 % 3,157 3,194 -0.3% YTD 3,147 2,811 2,326 2,371 271% 288% 311% 314% 287% 291% 283% 270% 40% 39% 38% 43% 48% 47% 57% 60% 61% 62% 52% 53% 178% 184% 180% 186% 183% 180% 187% 193% 2018 2019 2020 2021 Mar-22 Jun-22 Current and saving Fixed 2Q18 4Q18 2Q19 4Q19 2Q20 4Q20 2Q21 4Q21 System/1 Notes: 1 System refers to all commercial banks in Thailand (Source: Bank of Thailand, Bangkok Bank analysis) /2 Since 2020 liquid assets are defined as cash, interbank and money market items, debt securities and marketable equity securities /3 For BBL, LCR is computed as an average ratio of month-end LCR in the quarter. For System, LCR is as of month. Include Permata's financial performance since May 2020 BBL Bangkok Bank

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