Investor Presentaiton

Sound capital base above minimum requirements Common Equity Tier 1 Ratio Tier 1 Ratio 17.0% 17.0% Total Capital Adequacy Ratio 20.0% Regulatory capital ratio requirements 2019 6.0% Minimum Tier 1 Ratio 8.5% Minimum Total Capital Ratio 7.5% 8.0% 9.0% 9.5% 11.5% 12.0% 2.5% +0.5% Capital Conservation/¹ and D-SIB Buffer/2 9.0% Tier 1 Capital Ratio Requirement 2020 6.0% Minimum 11.5% Total Capital Ratio Requirement 8.5% Minimum Tier 1 Ratio Total Capital Ratio 2.5% + 1.0% Dec-19 Dec-19 Dec-19 Basel III 9.5% Capital requirements/1/2 as of the year 2020 Capital requirements/1/2 as of the year 2019 BBL's ratio as of December 31, 2019/3 Tier 1 Capital Ratio Requirement Capital Conservation/1 and D-SIB Buffer/2 12.0% Total Capital Ratio Requirement 19 Note: /1 The Bank of Thailand requires commercial banks to maintain an additional capital conservation buffer. The buffer will gradually increase by more than 0.625% each year from January 1, 2016 until it reaches more than 2.5% in January 1, 2019. /2 The Bank of Thailand announced the guidelines for identifying and regulating Domestic Systemically Important Banks (D-SIBS) in September 2017. The BOT requires D-SIBS to hold additional capital for Higher Loss Absorbency (HLA) by gradually increasing its additional capital ratio by an increment of 0.5 percent from January 1, 2019 until completion of the increment to 1.0 percent in January 1, 2020 onwards. /3 Based on Basel III standards issued by BOT since January 1, 2013. Bangkok Bank

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