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Investor Presentaiton

2020 Financial target 22 Consolidated Loan growth NPL ratio (gross) Net interest margin Net fee income growth Cost to income ratio Expected credit loss 2020 Financial target 3-4% Maintain +2.20% -2% to flat High 40% 12,000-15,000 million Baht. Note: The above financial targets are based on the Bank's preliminary estimates that may change due to the operating environments and other unforeseen circumstances. Bangkok Bank

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