Investor Presentaiton

Net fees and service income growth was driven by fee income from loan related service and security business Net fees and service income Billion Baht 28.5 27.5 27.6 24.7 Fees and service income % of composition 12% 12% 13% 20% 20% 28% +17.7% YoY 15% 20% 21% 21.6 23% 23% 8% 8% 18.4 7% 23% 7% 8% 22% 21% 19% 6% 19% 20% 16% 24% 24% 24% 22% 21% 18% 17% 16% 15% 9% 9% 10% /1 2017 2018 2019 2020 9M20 9M21¹ 2017 2018 2019 Loan related fees Credit card business Transaction services 18 Note: /1 Includes Permata's financial performance 2020 9M20¹ 9M21¹ Global market services Bancassurance and mutual funds Other fees and commissions Bangkok Bank

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