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Acquisition of Permata is in line with Bangkok Bank's international strategy Bangkok Bank is Thailand's most international bank % international loans /1 17% Number of international locations/2 31 4% 3% 2% 1% 17 12 9 3 BBL SCB BAY KBANK KTB Source: Company Information KBANK SCB KTB BAY BBL Source: Company Information Permata will help transform Bangkok Bank into a leading ASEAN bank . • . Key Highlights of Permata Exposure to Retail and SME (58% of loans) • Solid funding base (over 3.5 million customers; 50% CASA ratio) Best-in-class digital capabilities Unique partnership ecosystem model Key Strengths of Bangkok Bank Largest corporate bank in Thailand • Leading cross-border product capabilities . Extensive regional footprint Robust capital position and prudent liquidity and risk management 26 Large scale provides broader funding and capital base to grow Bangkok Bank's international business Aid and promote Indonesian corporates and SMEs in expanding domestically and regionally Enhance value proposition and product offering for Bangkok Bank and Permata clients Capitalize on opportunities from greater ASEAN integration and promote knowledge transfer Notes: /1 BBL: international segment as a proportion of total loan. Other banks: proportion of foreign loans, classified by customer's residence per Thai Financial Reporting Standards. Based on the latter metric, BBL would have 23% foreign loans. As of 30 June 2019 /2 Includes head offices and branches. As of latest available Bangkok Bank

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