Investor Presentaiton

Asset quality remained manageable with consistent provisioning resulting in strong coverage ratio Expected credit loss (Provision), Credit cost Billion Baht, % NPL amount, NPL ratio Billion Baht, % 1.5% 3.9% 3.4% 3.4% 3.2% 3.3% 3.4% 104.4 101.1 102.3 105.0 80.1 79.1 1.6% 1.4% 1.4% 1.2% 1.1% 34.1 32.4 31.2 2018 2019 2020 NPL amount 2021 Mar-22 Jun-22 NPL ratio 22.0 Loan loss reserve (LLR), Coverage ratio Billion Baht, % 190.9% 220.5% 225.8% 229.1% 232.5% 186.8% 16.1 14.8 162.6% 165.6% 148.8% 149.9% 149.2% 228 234 244 195 153 174 89 113 64 61 2018 2019 2020 2021 1H21 1H22 2018 2019 2020 Expected credit loss Credit cost BBL's excess reserves over BOT requirement BBL's required reserves by BOT 2021 Mar-22 Jun-22 BBL's coverage ratio System's coverage ratio/1 18 Note: Include Permata's financial performance since May 2020 /1 System refers to all commercial banks in Thailand (source: Bank of Thailand) BBL's loan loss reserves Bangkok Bank

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