Investor Presentaiton

Operating expenses increased due to the consolidation of Permata's expense while a cost to income ratio declined to 48.4% Operating expenses Billion Baht Cost to income ratio % 48.9 66.0 55.2 55.0 +4.6% YoY 47.9 45.8 55.0% 52.0% 48.4% 45.4% 43.5% 41.1% 2017 2018 2019 2020¹ 9M20 9M21¹ 2017 2018 2019 ✓ Permata's financial performance and one-time integration expense 19 Note: /1 Includes Permata's financial performance 2020/1 9M20 /1 9M21¹ Bangkok Bank

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