Investor Presentaiton

Net fee and service income declined amid challenging market environment Net fees and service income Fees and service income Billion Baht % of composition 28.5 27.6 29.2 24.7 12% 13% 20% 28% 28% 26% 20% 21% 23% 8% 7% 21% 22% 23% -3.8% YoY 7% 21% 19% 6% 14.2 13.7 6% 6% 19% 14% 15% 16% 24% 24% 22% 19% 22% 18% 16% 16% 9% 10% 10% 10% 2018 2019 2020 2021 1H21 1H22 2018 2019 2020 2021 1H21 1H22 16 Note: Include Permata's financial performance since May 2020 Loan related fees Credit card business Transaction services Global market services Bancassurance and mutual funds Other fees and commissions > Bangkok Bank

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