Investor Presentaiton

Healthy funding and liquidity position Loan-to-deposit ratio % Liquid assets/2 % of total assets 98.3% 96.3% 96.3% 92.3% 92.2% 92.8% 89.5% 39.4% 38.1% 38.8% 35.5% 35.3% 34.2% 32.7% 86.7% 86.9% 84.3% 81.6% 80.8% 79.4% 2017 2018 2019 20204 /4 Mar-21' Jun-214 Sep-214 /4 2017 2018 2019 2020 Mar-21 Jun-214 Sep-214 System/1 BBL Deposit Billion Baht, % of composition +11.2% YTD +2.5% QoQ Liquidity coverage ratio/³ % 2,811 2,904 3,047 3,124 2,311 2,326 2,371 311% 314% 43% 42% 288% 43% 42% 271% 287% 291% 283% 49% 48% 47% 58% 57% 58% 57% 51% 52% 53% 178% 184% 180% 186% 183% 180% 187% 2017 2018 2019 2020 Mar-21 Jun-214 Sep-214 2Q18 4Q18 Current and saving Fixed 2Q19 System/1 4Q19 2Q204 4Q204 20214 BBL 23 23 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. /4 Include Permata's financial position Bangkok Bank

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