Investor Presentaiton

Financial performance - 1H22 Million Baht 1H21 1H22 Growth (%) YOY Net interest income 39,734 45,273 13.9% Net fees and service income 14,230 13,684 -3.8% Other operating income 10,733 6,345 -40.9% Total income 64,697 65,302 0.9% Operating expense 32,050 32,941 2.8% Expected credit loss 16,137 14,843 -8.0% Net profit/1 13,280 14,079 6.0% EPS/1 (Baht per share) 6.96 7.38 6.0% NIM 2.12% 2.18% 0.06% Net fees and service income ratio 22.0% 21.0% -1.0% Cost to income ratio 49.5% 50.4% 0.9% ROA/1 0.68% 0.65% -0.03% ROE/1 5.83% 5.74% -0.09% Note: 25 /1 Attributable to owners of the Bank Bangkok Bank

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