Investor Presentaiton

Attractive Net Interest Spread 4.41% Yield on Average Interest-Earning Assets Cost of Average Interest-Bearing Liabilities 5.14% 5.01% 4.44% 5.35% 1.09% 4.87% 1.29% 1.15% 0.96% 0.82% 0.77% 2012 2013 2014 2015 2016 2017Q3 2012 2013 2014 2015 2016 2017Q3 3.32% 4.37% Net Interest Spread 4.19% 3.48% 4.20% 3.58% 3.62% Net Interest Margin (FTE) 4.60% 4.41% 4.43% 3.72% 2012 2013 2014 2015 2016 2017Q3 2012 2013 2014 2015 2016 Note: 2017Q3 profitability metrics reflect annualized values for the quarter 3.91% 2017Q3 RBB BANCORP 皇佳商業金控 18

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