Investor Presentaiton

22 Manageable asset quality under effective risk management NPL amount Billion Baht 87.4 80.1 79.1 NPL ratio % 108.5 111.0 112.4 104.4 3.9% 3.9% 3.7% 3.7% 3.7% 3.4% 3.4% 2017 2018 2019 2020 Mar-21 Jun-21" Sep-21" /1 2017 2018 2019 2020" Mar-21 Jun-21" Sep-21" Note: /1 Includes Permata's financial position Bangkok Bank

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